23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

went to XXXX XXXX for a free new patient exam and they XXXX XXXX XXXX XXXX and I left and asked if i owed them anything and they said no. They XXXX XXXX XXXX XXXX XXXX XXXX that I had to go to another XXXX to get them fixed. 

Details Below On XX/XX/XXXX I went in to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX for a free new patient exam. 

Well the nurse started probing my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and begin picking at them. 

I told her to stop, so then she wanted to probe my XXXX  and I wouldnt let her. 

So she went and got the office manger and he came in and I told him I didnt want her probing my XXXX To which he said I dont think your going to be a good match for our XXXX practice. 

The the XXXX came in started picking at the XXXX XXXX and said I needed new XXXX 

To the point of loosing the XXXX 

And that all the XXXX XXXXXXXX XXXX XXXX  for the past 2 years had done was bad. 

I told him I would trust my XXXX  of 2 years before I would trust someone I had never met before. 

And we agreed I was this practice was not for me. 

I left and as I left I stopped at the front desk and asked if I owed them anything and they said no. 

Well because they XXXX XXXX XXXX XXXX and loosened them they came off and I had to go to XXXXXXXX XXXX and have the XXXX XXXX at a cost to of {$250.00}. ( XXXX attached ) And I told them what XXXXXXXX XXXX had done and what caused the XXXX  to come off. 

So I get a call from you saying I owe the XXXX dollars for free new patient exam. 

Ive called you several times and XXXXXXXX XXXX on XXXX XXXX. They have said that they will correct the error and let you know to stop the collection and not report it to the credit bureau. 

Heres their number they gave me that is supposed to stop any further action and not report it to the credit bureau. XXXX. They said it will take about a week. 

Please provide me with a conformation when you receive that and you have stopped your actions and that you have not reported it to the credit bureau. 

If they dont remove this I would like to know that as well so I can report it to both the Alabama and Illinois attorney general offices and the DOJ , FTC .

If you have any questions please call. 
Thanks XXXX XXXX
Product: Mortgage

I was working with Penny Mac to refinance my current mortgage that currently sits with Penny Mac on XX/XX/2020. I called Penny Mac on XX/XX/XXXX or XXXX to see where I was in the process and they said they were still underwritting the loan before I could close. I told them I was going out of town on XX/XX/XXXX. They said we likely wouldn't be able to close before then. I asked if it would be okay to close when I get back on XX/XX/XXXX and they said that would be no problem. I asked if the lock on the mortgage rate would expire and they said that wouldn't be an issue. I got a voicemail on the XXXX while I was traveling saying that the rate was going to expire and we needed to schedule closing. I was traveling so I wasn't able to call them back till I was back on the XXXX. Since then, I've left them voicemails and emailed them and haven't heard back at all.
Product: Money transfer, virtual currency, or money service

BinanceUS has blocked users out of their accounts pending agreement with updated terms of use that include a face scan to be shared with the companies affiliates. 

Users were not made aware prior nor given a chance to withdraw funds.
Product: Debt collection

Portfolio Recovery is stating I owe a debt of {$650.00}. I repeatedly disputed this claim several times via mail over the past year because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the XXXX XXXX CT NY XXXX has violated my right. 

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

15 U.S.C Section 602 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

My ID is spelled wrong for my last name so chase held my money. I did a mobile deposit on an insurance check and Chase claimed that they didnt have a verifiable number for the company to deposit the check. So they held it for 10 days and kept my money and closed my account. They are now holding my money after a year. This happened XX/XX/2022. The amount is XXXX. Ive called over 15 representatives and went to their headquarters and not one person assisted me on where to go to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I was in the process of buying a house I agreed to work with Lexington Law to help me improve my score. 

I was contacted by a paralegal, XXXX as I went over several things with her of what we needed to do, however, it was going to be difficult to pay the fee of {$100.00} each month. She said she had a smaller plan and she would let me know what it would be. She said nothing was going to happen until XX/XX/XXXX when my payment was paid. 

They charged me {$14.00} to pull my credit report on XX/XX/2019 to review and see what needed to be done. I told her I was working with a Mortgage company and they requested that I remove any Disputes on my credit report. Too late ... ..they had already filed 2 disputes to the bureaus. I was not aware they had done this and I called the 3 bureaus to remove disputes and the creditors changed how these were reported and it caused my credit scored to drop 35-70 points across the Credit Bureaus. 

They charged me {$55.00} on XX/XX/XXXX for a smaller plan which I have no idea what that means and I disputed it on my credit card. They didn't do anything but file these two disputes which have ruined my credit so I feel that I do not owe them anything. 

They do not listen to their clients.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the several previous written requests, the inaccurate account, SYNCB/CARE CREDIT, still remains on my credit report in violation of Federal Law. They neglected to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

Friday XX/XX/XXXX Capital one is withholding my deposit and has stated that it would be fixed by Friday morning and it has not been fixed. I have not been paid and they are giving me any updates
Product: Credit reporting or other personal consumer reports

My XXXX loan with XXXX XXXX XXXX is reporting twice on XXXX and Experian. It is showing that they have opened a new account for an XXXX XXXX and Ive had this car since XX/XX/2019. When I reached out they asked me to speak with a department that has nothing to do with the reason my car loan is showing twice. This has caused my credit score to drop significantly and being that its showing XXXX in auto loan debt its interfering with my income to debt ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery has been erroneously reporting on my credit file. With the help of credit bureaus providing previous and current reports that Portfolio Recovery has changed information on my credit file and has incomplete information. They have continuously ignored my disputes about an alleged debt and have not provided any valid information, but will only comment that I disagree. I have obtained my phone records and have noticed that Portfolio Recovery is calling my phone every quite often, some days multiple times a day and hanging up. That is considered harassment. 
All information stated above is clearly a violation to my rights as a consumer advised by the FDCPA.
Product: Credit card

Weve been having continual fraud on our account with the Bank of America card. Whenever we notice a transaction is not ours, we let them know. While some transactions have been refunded, we have {$4000.00} that have not been refunded. Bank of America is disputing legitimate transactions which is causing us problems with our vendors. Despite telling them that the {$4000.00} isnt ours, they keep denying the claim.
Product: Student loan

In XXXX of 2022 my XXXX XXXX Student Loans in my Borrowers Defense was completed. In my 6 years of communications with Navient I expressed that my loans were in borrowers defense for repayment. I've been keeping updates on PPSL and was advised I can apply for Private loan discharge because my school XXXX XXXX has been deemed one of approved schools per Navient. At this point and time I've been requesting this form by email or mail or uploaded to my Navient account neither has happen since middle of XXXX. It's been about month I would like to complete the form but I can not get it. Once again I've sent over email advocate @ navient.com as of today. Please if you can assist me in this matter I would appreciate it. I've graduated twice from XXXX can not put degrees on my resume so I would like to get this matter resolved. My contact number is XXXX
Product: Checking or savings account

I have been with Navy Federal Credit Union since XXXX, and since they have violated Executive Order XXXX of XX/XX/XXXX, and Plain Writing Act of XXXX with their contracts and agreements. Equal value signature for exchange of funds access, signature used as collateral. What is legal tender but generally it is anything when offered ( tendered ) and accepted in order to pay off the debt. Although the original creditor who is owed money is not necessarily obligated to accept the tendered payment, the specific act of tendering the payment absolves the debt. Violation of third-party agreement, data shared with third party agencies. 

My Checking accounts have been charged overdraft fees when the account shows a positive balance. My credit card accounts ending in XXXX and XXXX, as well as loans and other credit accounts, were charged a number of overdraft fees, and notice was given of billing errors. After a billing dispute regarding the balance due and overdraft charges, I delivered a promissory note and a 1099-C to set off the balance of accounts to the accounts receivable department and Vice President XXXX XXXX XXXX as staXXXX in their policy to cancel the debt by agreement. When I followed up was informed via the attached email that Navy Federal Financial Group ( NFFG ) does not accept any securities sent through the mail. Similarly, you may not utilize securities to pay off debts or loans at NFCU. Securities exist in numerous forms including : notes, stocks, treasury stocks, bonds, and certificates of interest or participation in profit sharing agreements. I requested that an officer be removed from a business account that was no longer with the company, told the only way they would close the account is if that person signed an agreement. Access to credit is a Federal Benefit, that should not be exploited.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX BANK XXXX XXXX Balance : {$27000.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX  Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX  FL for court located at XXXX XXXX XXXX XXXX XXXX FL XXXX at XXXX XXXX  onXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PUBLIC RECORD # XXXX XXXX NOT MINE, DELETE FROM MY CREDIT This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. The above referenced accounts is not mine the public record shows other name address and social security. The incorrect listings are lowering my credit score unnecessarily, and it is also preventing me from purchasing a home.
Product: Vehicle loan or lease

When I contacted Wells Fargo they basically said the payments were applied forward since since it was an installment loan. They never applied my extra payments to principal
Product: Credit reporting or other personal consumer reports

My interactions with the debt collector have been marked by persistent efforts on my part to obtain vital information, which unfortunately have not yielded the desired results. I have repeatedly requested specific items such as the audit trail detailing the balance in question, the contractual agreement that substantiates their authority to pursue this debt, and the master bill of sale that underpins their claim. Regrettably, the debt collector has consistently fallen short of providing these essential documents despite my sincere inquiries. Moreover my attempts to halt communication through a formal cease and desist notice have been met with continued disregard, as their attempts to contact me persist. In addition to this. I have initiated multiple reinvestigations, urging the debt collector to share the identities of the individuals who purportedly verified the contested information. To my dismay, there has been no response from either the debt collector or the credit agency involved. Their lack of cooperation and failure to furnish the requested information not only raise concerns about the accuracy of their claims but also the adherence to legal obligations. The absence of a timely and comprehensive response has further exacerbated my concerns and underscores the need for a resolution that adheres to the pertinent regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has placed an erroneous collection on my Transunion credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with XXXX XXXX. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX/2023 XXXX XXXX2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023 XXXX XXXX/2023 XXXX XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXXXXXX XXXX Account # XXXX, & XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

I 'm receive letter from Ability Recovery Services LLC,, with false Account #, Amount and Debt. I do n't have any business with this company or XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit bureaus, regarding in accurate information which included addresses that do not belong to me, and accounts that do not belong to me. I asked him to do an investigation into it and please provide me with the results. They failed to do so. They violating several laws, but not following federal policies and procedures of demand that the investigation should be done and information be removed from my account.