23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I went to dietitian XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. On Wednesday, XX/XX/2018 I originally agreed to pre-pay for 3 months/8 visits of dietitian service including blood work and stool tests for a total of {$1500.00}. I have that amount in writing, initialed by Ms. XXXX. My credit limit on the Care Credit card I was going to use was {$1300.00} so I agreed for Ms. XXXX to request a higher credit limit at the office. When my credit limit was raised to {$4000.00}, she decided without notifying me to bill me for {$3000.00}. I was sick and under duress when I signed the agreement, I had never agreed to that amount. She and her office manager intimidated me to the point where I did not have a chance to review what I was signing. I stopped working with the dietitian after the first month but was still billed for services that were not rendered as well as an additional amount of {$1400.00} beyond that agreement. I believe this to be fraud. Once she received the money from Care Credit, she went out of town for 3 weeks and was not available to assist me. I am also filing a separate HIPAA violation as the dietitian released HIPAA protected information to the credit card company as well. I believe she released this personal information to Care Credit in order to damage my reputation. The Care Credit card company will not refund any money even after I filed 2 disputes. After I filed the dispute, XXXX XXXX created a new invoice she calculated to justify the exorbitant charge. The dietitian is using a bait and switch tactic, I believe this is a scam. The dietitian did not render services according to our agreement of {$1500.00}, at minimum I would like to be refunded the additional amount I was over charged, {$1400.00}, and ideally, I would also like to be refunded the amount that I pre-paid for services not rendered in the amount of {$420.00}. The legitimate amount of money owed for services rendered is {$1100.00}. I would like my money to be refunded. Care Credit is now holding me responsible for {$3000.00}.
Product: Credit reporting or other personal consumer reports

Accordance with the fair credit reporting act XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604. Section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 15 US Code 1681a-Definitions ; rules of construction-exclusions-except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures.15 US Code 1681a-z states it is illegal to report transaction history.
Product: Credit reporting or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported. 

1 ) Balance 2 ) Origination Date 3 ) Date of last action/activity 4 ) Date of last payment These are all inconsistent over XXXX, XXXX, Experian. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part.
Product: Credit reporting or other personal consumer reports

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This showed up on my credit report. I have no idea who it is
Product: Debt collection

On XX/XX/2020 I seen an account on my credit report for XXXX I dont know who or what company this is. I tried to disputed the account nothing has happened
Product: Credit reporting or other personal consumer reports

I have not opened any account with XXXX XXXX XXXX. 
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

I have had repeated calls from this company after I told them I disputed the debt through the original company as well as them. They continue to call without verifying first which violates the fair debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX has been placing monthly phone calls to my home about a balance due on a flexible spending credit card that was fraudulently opened in my name since XXXX of XXXX.The balance of the account was in the amount of $ XXXX.They have never sent a bill to my home, thus I assumed the calls were phishing calls.XXXX has now turned the account over to a debt collector and has reported the debt to the credit reporting companies. I called XXXX on XX/XX/2018 and wrote them in the mail on XX/XX/2018 to ask them to send me written confirmation that I am not responsible for charges on this account and to take steps to remove information about this account from my credit files.I sent them an Identity Theft Report and proof of my identity. During my phone conversation with XXXX XXXX I was told that they could not give me any information about the account because the account was turned over to XXXX XXXX XXXX. They connected me with XXXX XXXX XXXX and the person I spoke with said that any information I gave them would be used to attempt to collect the amount past due.I told them that I did not open or authorize this account. I also told them that my credit reports listed a fraudulent prior address. I have not yet heard back from them about this matter.
Product: Credit card

I called Citi Card Customer service because I got a late fee for being late one day since they did not send me a statement. They email it to me and I do n't have the password to the email address they have on file. I was on hold for over 45 minutes and when I spoke with Customer Service representative said that he could not remove the late fee. He transferred me to another representative and he said that he could not do it and put me on hold again then the line got disconnected. I call again and the same thing happened I asked for a supervisor and the supervisor said he could not remove the late fee either. I was even willing to set up automatic payment so that this does not happen in the future but they refused to take the late charge off my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion continues to PARROT unverified inaccurate information on my CRs they maintain. On this date XXXX XX/XX/2018. XXXX   and XXXX updated my CR re-investigation as verified while these 2 letters sent to me by XXXXXXXX XXXX on XXXX XX/XX/2018 validates my point that XXXX XXXX CAN NOT or WILL NOT provide CONTRACTS BEARING MY SIGNATURE obligating me to pay the debt and is requesting additional information from me. I HAVE NOT CONTACTED XXXXXXXX XXXX REQUESTING A FRAUD INVESTIGATION. XXXXXXXX XXXX is attempting obtain information from me to verify accounts that DONT belong to me. As of XXXX XX/XX/2018 XXXX XXXX and Transunion continues to PARROT unverified inaccurate information from XXXXXXXX XXXX violating FCRA guidelines on fair reporting of consumers information. XXXX XXXX and Transunion has NOT sent requested information provided to their companies by XXXXXXXX XXXX that they use to continue verifying my CR.
Product: Credit reporting or other personal consumer reports

This is my complaint to EQUIFAX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Debt collection

Wells Fargo credit card is charging me {$540.00} when I do not have an account with them and I closed my previous account with them back in 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my typical monthly payment to Ocwen on XX/XX/XXXX only to have it returned to me in XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. 
I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.
Product: Student loan

I have paid off my loan with a credit card, which I had to pay a balance transfer fee, because I had to continue to apply for what was offered to my for assistance which was a forbearance and I would have liked for there to be easier or less expensive ways to pay my loan when times were hard.
Product: Credit reporting or other personal consumer reports

I have 3 Accounts that do not belong to me on my Experian credit report. Companies have not provided me with a wet signature or contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  those accouts does not belong to me
Product: Checking or savings account

Hello Yes I would like to report Capitol One Bank. They intentionally and purposefully blocked me from making a purchase from XXXX XXXX. This is the second complaint I made. I just received tax refund and it was deposited into Capitol One Bank. I want Capital One actions reported to the police for invading my privacy and purposely with cruelty. I don't know who they are trying to impress or side with but their continued action is going hurt their business financially. Thy people they are trying to side with wont save them from getting a lawsuit if they continue with their erratic XXXX behavior. Also the media ssuch as XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX and XXXX others etc. has been invading my privacy and I have complained to the police about it. Now Capitol One wants to XXXX join the cruelty and prevent me from making needed purchases.
Product: Credit card or prepaid card

XXXX XXXX Account Number : XXXX The account was disputed before because of an extra fee assessed of {$2.00} after the account had been paid in full AUTOMATICALLY ; XXXX was not aware of the {$2.00} fee because the account was setup as AUTOPAY, yet according to the customer service department that fee could NOT be collected by the automatic pay system, because you had to come to the store in person to pay.. I was not informed of this procedure until I called to dispute the negative information. They said they could NOT clear the credit bureau rating although I battled that the account was on autopay they had the capability & authorization to collect payment, therefore how were they going to classify it as " late payment '' ..Again this account is still on AUTOPAY. I explained that this account has never been late ( please see attachment ) until this {$2.00} issue. Now my biggest concern is that my employment is credit score sensitive and due to this issue my position is in jeopardy. Now I understand if these late payments were because I owed and failed to pay but this is not the case and for XXXX XXXX to deliberately harm my credit report / credit scores, it just plain unfair. When I spoke to customer service they said that they were reporting correctly and that they were not going to remove the late payments. 

PS..THIS PREVIOUS ISSUE OF THE {$2.00} FEE, JUST HAPPENED AGAIN, I NOTICED IT Again..
Product: Checking or savings account

This transaction is related to REVERSAL OF CREDIT XXXX FROM XXXX XXXX ON XX/XX/21 REF # XXXX. 

Based on the information, this transaction is valid and is a exchange of cash. I've provided the XXXX payment confirmation, certified bank statement, police report, etc to indicate the nature of the transaction. 

Also I've called XXXX before the transfer and agent told me the transaction can not be revoked or cancelled. As such, I accepted the XXXX payment based on the information provided by the bank. I've attached a copy of the voicemail.
Product: Checking or savings account

Already a victim of identity theft, Regions did n't make it any easier after all the Harsh Emotional Distress, Pain and Suffering Humiliation they put me through 1 Week of visiting 8 Regions Bank the last branch I visited XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I Opened 3 Bank Accounts ending in,XXXX,XXXX,XXXX Which was opened by a Branch Manager XXXX XXXX XXXX work tirelessly to open these accounts reached out to Fraud departments and operations manager 's ETC. Because I had been to several previous 7 other locations because no one would look deep into my situation to help me on XX/XX/XXXX My Bank Accounts were froze by region accounts screening for new accounts up into today me filing this report. Due to a system called XXXX XXXX so I got all information from XXXX XXXX and XXXX  XXXX my consumer reports filed from these companies stating everything was paid to XXXX $ balance and nothing fraudulent reported I emailed those documents to XXXX as he instructed me to. To have the holds and freezes release on my behalf and he did that indeed He reached out and emailed the documents to a XXXX who had placed the holds on my accounts for over week canceling my direct deposit had my money sitting in a limbo she fraud fought him on the issues ignored he request to remove holds and any freeze After she received verification that I do not owe money or had anything fraudulent reported I sat with XXXX for a hours 5 days a week up until XX/XX/XXXX I saw his frustration he could n't give a explanation on why regions was so harsh on me and did n't accept me as a law abiding citizen of the united states of America I could n't no longer endure the embarrassment from regions as I said on XX/XX/XXXX I told me XXXX XXXX to have my money released so I move on and close the accounts its obvious regions do n't want to accept me a client its harsh situation on their behalf he reached out again to a " XXXX '' The Annalyst Fraud Agent Responding within seconds she removed the holds and closed out my bank accounts.But did n't have the decently to respond to a regions Branch Manager after several messages and emails to remove the holds and freezes.To keep my bank accounts open which was approved by branch manager. It was like she took it upon herself to judge me and discriminate against me base on false accusations and inaccurate reported information.
Product: Debt collection

On XX/XX/2019, I received a call on my cell phone from XXXX identified only as originating from " North Carolina ''. I greeted the caller, and a woman who identified herself as " XXXX '' explained that she was calling from Lendmark Financial Services because I was listed as a " reference '' for my cousin, XXXX. I told her I was happy to serve as a reference but I was in transit to work and perhaps she should call later. I said this in an effort to cut off the call because I had not spoke with my cousin XXXX in years. I thought to give myself an opportunity to reach out and check into the validity of the request. XXXX then says she has been having trouble reaching my cousin and perhaps I could tell XXXX to call her. The request seemed odd to me so I asked XXXX to call me back so she could leave a voice mail message with her contact information, that I would not answer, and that she could leave a detailed message so I could then forward it to my cousin. The voice mail message is attached. 

Using the number provided in XXXX 's voice mail message, I called and asked XXXX to give me her full name. She said " XXXX XXXX. '' I then asked if she was calling in regards to providing a " job reference. '' XXXX denied that it was a job reference and said instead that is in regards to my cousin 's account with Lendmark Financial. I asked her if she was using a ploy to contact my cousin about debt. She repeated the term " account ''. I asked to be transferred to her supervisor, who she identified as XXXX XXXX. I spoke with XXXX XXXX and he provided only the same information as XXXX - that I was listed as a " reference '' on an account. I learned later the same day that XXXX left a message to the same effect with my brother. That voice mail message is attached. 

The next day, XX/XX/2019, I had an opportunity to communicate with my cousin. She said that she never provided Lendmark Financial with my name or my brother 's name, much less our personal cell phone numbers. 

I called Mr. XXXX for points of clarification the same day, XX/XX/2019. He said that my cousin provided my name not as a reference but as a contact person to call should XXXX XXXX have difficulty reaching my cousin. When I asked for a copy of the document providing my contact information as provided by my cousin, he said he could no longer speak with me and that I should contact his " home office. '' Mr. XXXX did not seem confident when telling me exactly who in his home office I should contact. I asked if I could speak with XXXX XXXX, the person who initially called me to ask where or how she received my personal cell phone number. Mr. XXXX replied that I should contact the home office.
Product: Credit reporting or other personal consumer reports

I have provided all necessary information and expect the listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ), ensuring consumers have recourse for willful violations of their rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violation and police report and still has not removed all items
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I checked my credit report and noticed that there are accounts reporting that are inaccurate, incomplete, and unlawful. These accounts are reporting in a manner that violates the Fair Credit Reporting Act 15 usc 1681s-2b and 15 usc 1681b . I do not give Experian, XXXX, or XXXX to publish any data furnished by XXXX XXXX, XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX AT T ).
Product: Debt collection

M.A.R.S company has been calling my job repeated times. There is already a court filing and the case is pending yet they continue to harass me at work and my cell phone during work hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection account with XXXX XXXX XXXX as open with a balance when the account has a {$0.00} balance and has been closed. I submitted a letter from XXXX stating I have a {$0.00} balance and that my account is closed and that they will request my information updated as such with the credit reporting agencies and derogatory information would be deleted. XXXX XXXX and XXXX  have since deleted all information from XXXX XXXX from my credit report yet Experian refuses to do the same. I opened a dispute before I had that letter and Experian rejected my dispute once I received that letter I uploaded it in support of having new information to support my dispute but they still insist that account is open with a balance of {$750.00} I have a letter from that company saying the opposite they say my account is closed and I owe them {$0.00} but Experian wont accept it. It gets removed from my account next month because of how long its been on my report but it isnt fair Experian wont comply.
Product: Credit card

I attempted to purchase a flight using XXXX credit card points system but it was trying to charge me the full value of the points AND cash for the flight, so I booked the flight through Chase 's my ultimate rewards system with the points associated with the card. For some reason, my united credit card and miles plus number did not register with the ticket and as a result my bag was assessed a {$25.00} fee. I called to raise the issue with XXXX who referred me back to Chase who referred me back to a gentleman at XXXX that told me he would refund the charge to my account. The call was disconnected while he was finalizing the refund. I called back chase and XXXX, but neither would reconnect me with the gentleman who was resolving my issue or honor the refund that the gentleman I spoke to assured me I was entitled to and which he was going to process. Instead, they passed me around to numerous departments that had no idea how to process the refund and said I needed to speak to someone else. The final person I spoke to refused to do a refund. XXXX and chase conspired to prevent me from receiving a benefit they said I was entitled to by making it impossible to connect to the person that was handling it already and playing a game of pass the potatoe so that I would go away due to being annoyed and frustrated and they would keep the bag fee I should not have been assessed in the first instance. I had to book with my rewards because that is what the XXXX customer center said was the only way to do it thru points since the booking was 20 days out when made.