23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I answered one of CBE Group 's phone calls. I have no idea what debt they are trying to collect but they asked for me by name. When I offered to make a minimal payment of {$25.00} twice monthly they refused to take and said I would need to qualify under their financial needs program. They told me I would need to be asked several questions. The first gentleman I spoke with was very pushy about the questions and insisted that my household should have a savings built up. He told me exactly how much money I should have left over after every paycheck and that the numbers just do n't come up right for me to have no money and not be able to pay more than {$25.00} twice a month. Then he insisted I ask anyone I know to loan me the money. After I put my foot down he got his " manager '' to redo everything he just did. The manager was rude and pushy with me also. He continuously insisted I " find a way to get the money right away and pay it all at once '' and that " the company they were collecting for wanted one lump sum payment ''. I was told to open a new credit card or take out a personal loan to pay the debt. He also kept telling me that there is no way I 'm broke and have no money, that my financial situation just does n't add up. After this, I let the man know that I needed to get off the phone, which I had already been on for 30 minutes, because I have a child that needed to be tended to. I said I would need to discuss this with my husband and his response was " well how much time do you need to talk to him, a day? ". He got a little rude with me about wanting to get off the phone before the debt was settled and said they 'd calling back in 24 hours. In an attempt to answer the call I just said " ok '' and hung up. This was about 3 weeks ago. They 've proceeded to call me everyday since, even taking it as far as calling me on a Sunday.
Product: Debt collection

SETF/Wofc Ive sent proof police reports thats my identity was stolen Ive never obtained a loan from this company they keep verifying my loan this loan is fraud Ive never did business with this company I want this item deleted its affecting my credit negatively and causing me serious distress.
Product: Credit card or prepaid card

I contacted American Express ( AE ) before I registered to make sure I can get a credit limit high enough to handle my entire transfer. They said they can not tell until after the approval but if it was to low I would be able to contact them after the 30 days to get a credit increase.On XX/XX/XXXX I signed up for an AE card because it offered 0 % APR on balance transfers. I contacted AE and tried an online increase after the 30 days and it said I had to wait 60 days before I could do that. The balance transfer deal expires in 60 days. I would not have signed up for the card if I knew I would have to wait the full 60 days and miss the promotion of 0 % APR before I could get an increase of my credit limit if it was to low to start. 

I had the ability to transfer a small portion of my balance but that would do anything for me that is why I was checking and verifying with them through out the whole process to make sure I could do this and get the higher limit so I can transfer the entire amount. 

I feel like they used a bait and switch on me. I was told I could do something so I signed up and then by the time they would let me do it I missed the promotion and now stuck with a higher APR if I wanted to transfer. 

Another thing that is bothering me is they said I can not do a balance transfer until I get and authenticate the card, but they start the promotion count down from the day you were approved. They shipped my card on XX/XX/XXXX and I received it on XX/XX/XXXX. So that is 20 days I was not able to do the balance transfer missing out on 1/3 of the available time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file, I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act G604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigaton, picase send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents aulhorizing c inquiry, and signed on my behall, so that I may verity its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately ft credit file. Please be so kind as to forward me documentation that you have had the unauthorized inqu removed. If you find that I am in error, then please send me proof of this Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above, According to the provisions of 5 612 ( 15 USC 9 1681 ) ), there should be no chargo hom Your immediate attention to this matter is appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a public record ( bankruptcy ) was removed from my account. I have provided proof on many occasions as well as providing support to assure the information. regardless of how much evidence I provide the companies refuse to remove resulting in defamation of character. Making my life more difficult because the people who rely on my accurate credit report are receiving inaccurate and untrue information. My consumer rights are blatantly being violated and they are getting away with it.
Product: Debt collection

On XX/XX/year>, I was suffering from XXXX XXXX XXXXXXXX, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I made the decision to go to the XXXX XXXX XXXX XXXX XXXX XXXX, because it is closer to my house. I was under the impression they would help me through the XXXX. When I arrived there, there were XXXX receptionist but only one was checking people in. A XXXX  called me back and while I told her what I was going through, she informed me I was having a XXXX XXXX XXXX XXXXt and that I was worried for nothing. I told her that any amount of XXXX is something to worry about during a XXXX, but she kept telling me I was wrong. She informed me they would be tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX situation. 

Mind you, I was already XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They took some XXXX XXXX XXXXe, had me go to a room and wait for the XXXX who did come in but wasn't interested in making sure I was all right. I asked her if I could have a blanket since I was cold and at first she didn't respond. I had to ask a second time and she acted like I was begging for it. By the time they let my family come back, the doctor came back in and had to make sure I having a XXXX by checking. She informed me that they didn't have the equipment to help with my situation and that they couldn't tell if it was a XXXX or an XXXX gone wrong. I wanted the XXXX XXXX XXXX why would I have an XXXX? I told her it was a XXXX and she said they couldn't tell for sure and I could go to XXXX XXXX  to find out for sure or just wait it out. I decided to leave to go to my XXXX instead and on the way out, my husband was handed what the ER claimed we owed them. 

They didn't help us, took XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. So no, I will not be paying them for not helping me out once. Doctors and nurses are supposed to help people, not lie than bill for doing nothing to save a life. I could have XXXX in the XXXX XXXX and the XXXX  wouldn't have cared, since she assumed I was going through an XXXX. 

My XXXX and her XXXX knew the minute they saw me that I was having a XXXX and made sure to help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear Avant LLC, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Debt collection

I talked to Monterey Financial today about a debt I have with a timeshare maintenance fees for a XXXX XXXX XXXX XXXX. I have not seen written communication about this or had the ability to dispute this. 

I called them back today XXXX. 
They said the amount was {$5700.00} and this showed up on my credit report today via XXXX XXXX In the call they told me, my credit will continue to be impacted. They advised I open a credit card to pay this off. XXXX said I can't settle or pay them directly but Monterey said XXXX owns the debt and they can't settle. It seems they are in cahoots and taking advantage of me.
Product: Credit reporting or other personal consumer reports

Demand for Account Blocking and Deletion under 15 USC 1681c-2 ( a ) To Whom It May Concern, This letter serves as a formal demand under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). I am a victim of the XXXX data breach, which compromised my personal information and resulted in fraudulent accounts being opened in my name.
Product: Credit reporting

In reviewing my most recent EQUIFAX report, I noted " hard inquiries '' were made into it by XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX on XXXX/XXXX/XXXX. As all three were to have been done as " soft '' inquiries, I want EQUIFAX to delete them ASAP as required by Federal Consumer law. I have asked REPEATEDLY for this to be done and have had no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED EQUIFAX TODAY XX/XX/XXXX, AND DISPUTED INACCURATE INFORMATION ON MY CREDIT REPORT RECEIVED USING XXXX UNDER EQUIFAX REPORT, THAT SHOWED MY XXXX CARD AND XXXX  CARD WHICH ARE CURRENT ACCOUNTS, AS CHARGED OFF ; WITH INCORRECT BALANCES ; INCORRECT MONTHLY PAYMENTS ; INCORRECT DATES OPENED AND UNDER THE COMMENT SECTION SHOWING A STATEMENT OF CHARGED OFF IN XXXX. 
WHEN IN FACT THE ACCOUNTS ARE OPEN AND CURRENT, PAYING AS AGREED. EQUIFAX STATED THAT THE INFORMATION I RECEIVED IS NOT SHOWING ON THEIR END AND THAT I CAN NOT DISPUTE THAT INACCURATE INFORMATION. I REQUESTED TO DISPUTE THE HARD INQUIRIES LISTED ON MY REPORT FROM XXXX AND WAS REFUSED BY EQUIFAX TO DO SO. I INDICATED THAT I DID NOT AUTHORIZE THE COMPANIES ACCESS TO MY CREDIT REPORT HOWEVER EQUIFAX DENIED ME THE RIGHT TO DISPUTE IT WHEN I HAVE THAT RIGHT. AND EQUIFAX REFUSED TO INDICATE WHERE ON MY CREDIT REPORT UNDER MY RIGHTS IS IT LISTED THAT I DO NOT HAVE THE RIGHT TO DISPUTE THE HARD INQUIRIES. I AM REQUESTING ALL INACCURATE INFORMATION ON MY REPORT BE INVESTIGATED AND THE HARD INQUIRIES REMOVED DUE TO FRAUD, AS I DID NOT AUTHORIZE SUCH INQUIRES AND THE INQUIRIES ARE LISTED AS FOLLOWS : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX MI
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX account in my name I never opened up a XXXX account because I have a family plan with a next company, and have no idea where this account came from
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to dispute errors on my Experian credit dated XX/XX/2021, by way of telephone and to date Experian has block consumers from calling and speaking with a representative. 

Each time I have attempted to reach out to Experian by way of telephone I am send to a maze of options that then blocks consumers from ever reaching a representative. 

During Covid-19, consumer are suffering financially and need quick access to consumer reports and ability to dispute inaccurate information contain in credit bureaus files that is blocking consumers from receiving lines of credit. 

Experian is refusing to take telephone calls and answers consumer question forcing a timely delay in place alerts and removing negative information. 

Therefore, I am asking the CCPB to enact or enforce laws to prevent this abusive business practice of not taking consumer telephone calls and forcing consumer to go into post offices during covid to dispute information, not all consumer have online access therefore should be able to speak with a representative by telephone and dispute inaccurate information.
Product: Debt collection

I recently saw a default judgment against me for the amount of {$11000.00}. The judgement was entered against on me XX/XX/2023. When I looked into the paperwork set to me from Levy & Associates , LLC for Motion to File Requests and Responses. The letter sent " was not filed out with the date nor signed from a judge. Blank. I was not correctly serviced with the correct information in this case. 

They have broken the Fair Collections Act as I was never able to defend myself on court. The judge should vacate the judgment/debt. I will be appealing this case today. 

Enclosed is the letter sent from Levy & Associates , LLC.
Product: Credit card

My business was created with XXXX owners who functioned as managers and we each had a credit card. When one of the owners/managers was fired in XX/XX/XXXX we physically took the credit card back and changed our login information online ( her name is XXXX XXXX XXXX so she wouldn't be able to charge anything. Shortly after we contacted Bank of America to have the credit card canceled and the associated account closed. They told us the only person who could cancel the card and close the account was XXXX XXXX herself because she opened it under her own line of credit. We explained that she was fired and doesn't have any access to the account. We had this same conversation/back and forth in person and over the phone a few times before we as a business decided to table the problem since we weren't getting anywhere. Then in the pay period of XXXX XXXX XXXX XXXX {$160.00} was charged to the credit card ( not by us ) that was physically held by us. We assume the fired employee had the card number saved on an XXXX  account and made the purchase. We immediately disputed the charge and a claim was filed, explained the situation to the bank in person and over the phone and they still would not close the credit card or the account. So I filed a complaint with a federal agency ( I don't remember if it was this XXXX or a different one ) and we got a response from Bank of America over the phone, saying we needed to fill out a " change of Guarantor '' form to change the cc/account to be in my name and were told to 'select option XXXX ' when you receive the form. I received the form in the mail and there was no 'select all " option or 'option XXXX ' so I called the contact we had from the Bank of America regulatory department who reached out and they didn't answer. We then received a mailed letter explaining no information could be shared because the account was in the fired employees name. So I sent the paperwork in filled out despite the lack of 'option XXXX ' as I was told over the phone and we have heard nothing back in about a month. The disputed charges remain on the card even now and late fees are stacking up, while our fired employee 's credit score is likely being effected without their knowledge. The card otherwise has XXXX charges. We just want to close it down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I tried to temporarily lift a security freeze on my Experian credit file by using their phone system and website. I have a PIN number issued when I originally placed the security freeze on my file. Experian only answers phone calls with their automated system and it is impossible to speak to a human being. Their website also makes it impossible to contact this company since their Contact Us page only leads to a questions and answer list. Since my credit file is frozen and Experian keeps rejecting my PIN number, and there is no way to contact them, I am not able to lift the credit freeze temporarily or get a copy of my credit file. Unlike XXXX and XXXX, where I was able to lift my credit freeze, Experian keeps rejecting my information, which I think is because their records are inaccurate. Of course, I can't see what information they have for me since they won't allow me to contact them.
Product: Vehicle loan or lease

My account was an error with account number I couldnt make payments from a payment center. I finally got into my bank account and it shows during time of repo that the company had taken XXXX payments after repo, the car was sold at an auction and they demand for me to pay the remaining balance which I told them at the time that it was an illegal repo and if they sold the car then its their responsibility for the rest.
Product: Credit reporting or other personal consumer reports

I had bigger Denial on automobiles XX/XX/XXXX pre approval, when I tried to make credit purchases through XXXX, XXXX XXXX  installments and car insurance payments increased double XX/XX/XXXX