23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Went to XXXX XXXX XXXX XXXX in XXXX, XXXX. on XX/XX/XXXX to see about getting dentures. XXXX the office manager told me they had a gentleman cancel so if I could come in the next day he could get me in and put me in a set of dentures for {$3500.00} plus he said my insurance would cover {$1000.00}. I never agreed to the {$6800.00} and never signed an agreement for that amount. He specifically said I would owe {$3500.00} out of pocket. I paid {$3500.00} on XX/XX/XXXX and they started the extractions. They gave me 4 prescriptions and said it was imperative I took one the night before the XXXX. Got to the pharmacy and realized they gave me another patients prescriptions so I was unable to get the meds I was told to take the night before XXXX. They then missed an extraction and I had to go back 2 or 3 days after XXXX  while I was healing and have the tooth extracted. The dentures never fit properly at all and my bite is crooked causing the plate to pop out everytime I bite down. During the few soft liner appts I had, when I would complain about the bite not closing in the front and plates popping out they told me they would fix the bite at my final appt when they apply the permanent hard liner. The day of my final appointment to get my hard liner they called and cancelled allegedly due to inclement weather. When I called the office to reschedule the appt to get the hard liner installed thats when I learned they were charging me more because the receptionist said that they couldnt schedule me an appointment until my balance was paid. Confused I said what balance and she said you have a balance of {$2400.00}. They never even completed the work I paid {$3500.00} for. I never received premium dentures. They are basic box dentures they are not molded from my molds, I have a incomplete set of basic dentures with no hard liner in them, virtually unusable, yet they are sending me to collections for a fraudulent amount of money that was never agreed upon? Is that legal to add extra on to an invoice that was never agreed or signed off on? I paid {$3500.00}. What I was told was my out of pocket.
Product: Credit card

WELLS FARGO DISPUTE DPT Dispute Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I provided, on time, to open and, on time, appeal after this dispute against this merchant, with the support of WellsFargo, for never received for what i was charged for. 
WellsFargo refused to take in consideration all the proof provided by me ( both receipts and Merchant email respose ) by saying I was not on time to send them ( the timeframe was gone ) Wrong because I have done that on time so I totally disagree with this dispute outcome which I consider as mistake made by the merchant and also by WellsFargo. 
I tried to appeal several times without without having adequate support by WellsFargo. 
WellsFargo did not gave me any notice on time but I provided additional information to appeal right away as soon as I find out about the wrong and false merchant respose.
Product: Credit card or prepaid card

There are 18 hard inquires on my credit report who has been misleading with information. 
Capital one spark, advertisement misleading information. They mislead in inquiring their information. So i want that inquiry deleted off my report.. 
XXXX XXXX XXXX misleading information from social media please remove XXXXXXXX XXXX  misleading information from social media please remove XXXX XXXX XXXX  misleading information from social media please remove XXXX XXXX i would like removed XXXX XXXX please remove XXXX please remove XXXXXXXX please remove XXXX please remove XXXX XXXX please remove
Product: Debt collection

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

On XXXX the XXXX, 2024, I received the attached verification letter from Medical Revenue Service, XXXX. The verification letter was from XXXX XXXX XXXX, the consent for treatment was not signed by me but was signed by XXXX XXXX. I XXXX XXXX XXXX disputes this allege Debt in its entirety. 

The verification letter/Consent for service is not signed by me and XXXX XXXX XXXX not a legal representative of mine and was never given permission to sign a consent for service on my behalf. 

I XXXX XXXX XXXX is demanding that Medical Revenue Service XXXX and Atrium Health Mercy provide the signed Advance Derivative by me that gave XXXX XXXX the authority to sign the consent for service on my behalf. 

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of XXXX. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the XXXX XXXX XXXX XXXX against Medical Revenue Services XXXX, Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account XXXX Alley Financial.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 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 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTHESE INQUIRIES ARE on my report and I did not inquire any of them
Product: Credit reporting or other personal consumer reports

I have identified unauthorized items on my credit reports that appear to be the result of identity theft, as I did not approve or open these accounts. Despite previous communications, these inaccurate items remain, causing me significant distress and hampering my ability to achieve important financial goals like purchasing a home and providing for my family. These erroneous entries do not reflect my true credit history or financial management. If this matter can not be resolved promptly, I am prepared to pursue legal action to protect my rights and find a resolution. Removing these fraudulent items from my credit reports is of utmost urgency and importance to me. I have attached copies of my social security card and driver 's license to confirm my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B obliges us to remove inaccurate accounts from my credit report. Can you please look over the documents? There are discrepancies in the listed accounts, including wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Hello and good day, Ive been working tirelessly for months to fix errors on my credit report, and its been incredibly draining. Having a strong credit profile matters a lot to me, yet these mistakes have seriously damaged my financial prospects and peace of mind. Despite all my efforts to get this resolved, the issues continue to be overlooked, adding even more stress to my personal life and affecting my credit standing.
Product: Credit reporting or other personal consumer reports

I was in the process of purchasing a new car and I realized that I have damages on my credit report. In accordance with the fair credit reporting. Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC ( 1681 section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit card

In response to Chime Disputes Team rearding Non-Receipt of Goods or Services ; Claim ID : XXXX ; Date Error Reported : XXXX ; Claim Amount : {$880.00} : Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. 

I own a record label and employ marketing services for XXXX promotions. The services provided by the merchant were fake artificial streams and not organic streams as advertised. Streaming fraud is against XXXX XXXX. XXXX confirmed with my distributor, and my distributor confirmed with me that the service used artificial streaming methods. Refer to submitted documents indicating that the streams from the service the merchant provided were fake bot streams to a song we paid for. A letter was sent to the merchant addressing the fraudulent services provided and requesting a full refund. The merchant did not respond or refund. Refer to submitted documents that were sent to the merchant. It is my position that a billing error did occur due to Non-Receipt of Goods or Services which is the basis of this complaint. I did not receive services as advertised. 

The services that the merchant provided were fraudulent according to XXXX leaving me at a loss of not only revenue to be gained from the service, but also a loss of money spent on fraudulent services. That says to me Non-Receipt of Goods or Services. For this reason, I am asking that you look into this matter for a favorable resolution. 

XXXX XXXX XXXXXXXX XXXX  Account Holder
Product: Debt collection

Company has wrong information on me and thus not receiving proper notification on debt being sent to collection. Proper notification wasn't sent in advance on debt was going to be sent to collections. No effort was done to try and reach me before hand. Also they called a family member that I have no communication with to try an locate and having the correct phone number to reach me.
Product: Credit reporting or other personal consumer reports

I cant log into my experian account. I made the account on XX/XX/year>22 I signed in with my XXXX account and it used my old phone number now I cant get into my account to unfreeze so that I can buy a house. Ive tried to call experian but I cant get into contact with them as its only a robot.
Product: Debt collection

I called the collection department to request a settlement and was denied. Was offered to make payment arrangements because they found other debts linked to me. I clearly stated that I did not want to make payment arrangements but I would like to pay each account in full one at a time if the debt belongs to me. At not time did I claim ownership of the other debts. The specific debt in question was {$130.00}. I paid the exact amount and PMABLLC only applied {$23.00} claiming that I still have a balance of {$100.00}. If my payment wasnt going to be applied In full to the medical bill for the office that I intended it for, PMAB LLC should have returned the payment along with a letter of payment arrangements. I did not agree to any type of payment arrangements verbally nor written.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified 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

on XX/XX/2022 chase and XXXX XXXX  XXXX fraud me and scam me they both did XXXX transactions and did not stop them I went to each branch that same day and talked to them i also have police report as well and they just keep telling me it was my fault and they can't do nothing to fix the problem I think they are working together to scam people I'm reporting this to each burea so they can see what's going on with them they are sure making something fraudulent and now I call them and they keep hanging my calls as soon as I give them my information they put me on hold and hang up they can chek there recordin calls and to be honest I feel discriminated as well
Product: Checking or savings account

I was told that my cell number didn't match my identity so they refused to unfreeze account. I verified through my phone company that what Truist Bank stated was false.
Product: Consumer Loan

I am getting constantly harassed by a collection agency from the number XXXX, they have even contacted my ex wife who I have been divorced from 20 years ago. This has to stop! 

XXXX XXXX
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. 
Account name : XXXX  # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX has violated my rights XXXX 
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 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 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: Mortgage

XXXX XXXX XXXX Is my mortgage servicer. I written to them on XX/XX/XXXX asking for information regarding fees that has been charged to my account asking them to give me a written explanation on each fee because they have been charging my account every other month with a fee and sometimes two or three fees in one month. Fee, s that I have paid with out and explanation on XX/XX/XXXX {$35.00}, XX/XX/XXXX {$310.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX, {$190.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$950.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$390.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$83.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$560.00}, XX/XX/XXXX {$62.00}, XX/XX/XXXX {$400.00},. This is a total of {$5200.00} cent, s. This company XXXX XXXX has only been the servicer of my mortgage since XX/XX/XXXX from XXXX XXXX XXXX they also played deceptive games with this loan. XXXX XXXX said on my XXXX from that I owe {$100000.00} I haven, t owed this amount since the year of XX/XX/XXXX my XXXX, s for XX/XX/XXXX and XX/XX/XXXX need to be corrected. I feel that for the year of XX/XX/XXXX I have paid XXXX interest on a {$100000.00} instead of paying them interest on {$100000.00}. I received on XX/XX/XXXX a pay off letter from XXXX and it stated that the pay off amount was {$94000.00} but on my XX/XX/XXXX XXXX it says that outstanding balance is {$97000.00} I feel that I have paid interest on {$97000.00} instead of XXXX or what was owed after I had paid on the mortgage for the year of XX/XX/XXXX. This information comes from my mortgage history and correspondence that they XXXX XXXX XXXX have sent me and it can be proved for each fee that I have paid I want a explanation on what that fee was for. And they are in violation of 12CFR1024.35 or 1024.36 b.
Product: Debt collection

Enhanced Recovery Company is trying to collect a debt that was already deemed invalid and removed from my credit report by another collection company, XXXX XXXX.
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX/DEPT OF ED Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 

Account name XXXX XXXX XXXXXXXX Account number XXXX, has violated my rights. 

Account name XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

XXXX Account number 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 a 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 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: Student loan

Deceptive and contradictory information via phone so there is no evidence to document. Departments that seem not to communicate with each other causing errors that affect the loan it 's self. Lack of documentation. Previous payment information that almost impossible balance. No yearly ledger. Also School is no longer in business XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Please see my attachments for the information. I created a Wells Fargo credit line with overdraft protection. I confirm that by email and telephonically. I received a notice of insufficient funds and I called Wells Fargo again to confirm the overdraft protection was in place. I was assured everything was good. Next day I received notification that the check I had issued was returned. After many phone calls, I spoke with XXXX. XXXX Wells Fargo who was it condescending arrogant jerk. He emailed me back saying they were closing the case and I have demanded arbitration. I believe Wells Fargo is absolutely wrong.