23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I called and spoke to a credit card representative for my Ulta Beauty Credit Card with Comenity Bank. I paid off my balance and the rep said she could take {$15.00} off the late fee. Once we settled the balance I asked to close my card, first asking " I am all good? I don't owe anything? '' The rep responded " No, you're all good to go! I will close the account. '' A month later on XX/XX/XXXX I received a bill for {$15.00}. I called Comenity and spoke with a rep who said they can't settle a closed account and my only option was to pay. I asked to speak with someone else to make a dispute. My call was transferred to a different department, a Customer Advocate, who said that he could see that the {$15.00} should have been waived, as that is the standard amount of a late fee they take off, and it did appear to be an error on Comenity 's part. He said he would take all my information and his supervisor would call me to verify. I never received a call. 
On XX/XX/XXXX I received another bill this time with a late fee on top of the {$15.00}, totaling {$33.00}. I spoke to three different people when they called that morning to collect payment. XXXX, a customer advocate, answered her phone saying " I am going to disconnect now '' and said someone cold transferred me to her and she can't help me so she was going to end the call. I asked her to make note of my complaint. She did and filed a dispute on my behalf saying that she could see the previous complaint made with the note that it was closed a day later on XX/XX/XXXX. She told me it was unlikely that this issue would be resolved and I should pay the {$15.00}. I asked to be transferred to a supervisor or someone who handles disputes. She said she would not and when I asked " Ok, are you refusing to transfer me? '' She said " Can I put you on hold while I file the dispute and I will transfer you after? '' She then hung up on me. 
I called back and spoke to a different representative, XXXX, who said she understood my concerns. She spoke with a supervisor who said it is obvious that the {$15.00} left on my account was an error and they credited the account and I should not receive another bill. 
On XX/XX/XXXX when I called to check the balance of the account, the balance has now increased to {$36.00}.
Product: Debt collection

resurgent receivable {$450.00} keeps calling n emailing and texting me random hours about a debt i have no knowledge of.
Product: Credit card

On XX/XX/year>, I booked a long-term stay at a short-term XXXX rental in XXXX, XXXX, for approximately three months.

The listing indicated that the room would be furnished, because the pictures in the room indicated they would. It also indicated that I would be able to park on-site, as there was a picture of the house next to a gravel lot, a blurb that said " free parking on premises, '' and there was a section on a lease I had to sign that was all about parking and how it was regulated. That would imply there was parking. 

On XX/XX/XXXX, the day I was set to move in, I was notified by the host that parking was on the street, and that I would need a permit from the city in order to not get fined and/or towed. I was never made aware of this previously, and was suggested by the host to park my car in a garage several towns over until I got approved for a temporary permit and then a permanent one. 

When I eventually got there later that day, I was greeted by a room that bore little resemblance to the photos of the room I was promised. It was dirty, dusty, and filled with dilapidated, water-damaged furniture that did not match the photos in the slightest. 

At that point, I left to go back home and canceled the XXXX the following day. I was charged {$1400.00} by the host for the entire month, even though the apartment was nothing as promised, and another {$370.00} by XXXX for what I can only assume is liquidated damages for money they themselves didn't get from the total duration of my stay had I not canceled. 

Also after the fact, the day of and the days after, I tried contacting XXXX for a refund and did not receive any help since I was not in a XXXX  XXXX or natural disaster situation. 

That brings us to the actual issue I am here for. 

I disputed the charges with Chase on XX/XX/XXXX, because I booked the XXXX with their Freedom Unlimited credit card. I submitted all the information and evidence that I submitted here, outlining the grossly misleading XXXX  listing and sent photos of what I got vs what was promised and implied. 

On XX/XX/XXXX, I was told that the smaller XXXX charge for {$370.00} was valid, and only XX/XX/XXXX, I was told the {$1400.00} charge was valid too. In both reports, they made no reference to any of the evidence I provided, completely ignored the disgusting state of my room and the lack of parking ( and its major inconvenience in both time and cost ), and just pointed to the XXXX website 's terms of service and the date I made an account years ago as proof of the charges being valid.
Product: Credit card or prepaid card

XX/XX/XXXX Disputed the transactions and was closed within 10min of opening the disputes Dispute Case ID : XXXX Transaction Amount : {$2000.00} USD Dispute Case ID : XXXX Transaction Amount : {$1700.00} USD Dispute Amount : {$1700.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

Experian credit report : I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. ( Collection )
Product: Checking or savings account

I bank with Bank of America. I have a savings account and a checking account that were affected. I had two unauthorized withdrawals from my checking account. one totaling XXXX dollars and the other totaling XXXX dollars as well. both withdrawals were done on XX/XX/23. My first checking account is now negative XXXX dollars. BofA can't explain why this is. Then i had an unauthorized withdrawal from my savings account. 
In the amount of XXXX They said they shut it down so the only credits and not debits could happen to my savings. this happen on XX/XX/23. So I filed a claim on this as well. 
I saw a credit for XXXX go into my savings account then a debit for the same amount. that happned on XX/XX/23 I included it on my claim. they cant explain how this happened. I filed a affidavit of claimant for unauthorized remotely created checks. I called today XX/XX/23 and still no explanation of what's happening to my accounts and I was told I might need more paperwork.
Product: Checking or savings account

I filed a claim with Wells Fargo for {$2000.00}. And they denied my claim without contacting me to verify anything! How could I make those fraudulent charges if I was at work during the time of the transactions and the transactions were in another state! Wells Fargo is lazy and just a scam of a company. They didnt even try to do a thorough review. Even when I called the resolution department he couldnt even tell me how Wells Fargo came to the conclusion to deny my claim. Had Wells Fargo taken the time to reach out to me AS THEY SAID THEY WOULD, I could have provided them with evidence to show it was impossible for me to make those transactions. Wells Fargo is a scam!!! The bank is utterly useless!
Product: Credit card

The credit card company, Care Credit ( SYNCHRONY BANK ), has created schemes to fraudulently overcharge its customers with high interest rates and fees. Care Credit is primarily used to pay medical bills. The company initially offers a plan with an APR interest, credit limit, late fee, and deferred interest due date. It appears to be a normal credit card at first. However, when the account is charged, the deal changes each time at the point of sale. A new deal is generated with a different interest rate and due date. At the point of sale, the customer is unaware of the changes. It was always my understanding that a contract is legally binding, once signed ; and no changes could be made, unless both parties agreed. When I signed up for Care Credit, it was online, and a year later, before I used the credit. The Medical staff charged my card and asked me to choose a monthly payment. That was all. The medical staff unknowingly participates in Care Credit fraud. I agreed to a monthly payment of {$99.00} for XXXX  months ( about XXXX years ). The payments were made every XXXX of the month. I did not understand why the {$99.00} was changing every month. I just paid the bill and did not think anything of it. I did not know they were changing the terms of the agreement. However, CareCredit ran my credit score recently and changed the terms of our contract. I was not notified of these changes, and nothing was sent to me in writing. They put my account in the negative and overdrawn, even with my account being in good standing. I would have never spent over my card limit and dont understand the overdrawn status. Also, Care Credit changed the monthly rate and added XXXX % interest on the sale, this is not what I agreed too. I had a charge of a late fee that was supposed to be removed. I have documents attached that will show XXXX different amounts, Care Credit claims I owe. They are making it up as they wish. It was my belief that I had 24 months to repay the purchase I made on XX/XX/2023. Before the interest rate would be applied to the credit. This is what was explained to me by the Care Credit promotional plan and the medical office. If I had known that at any point and time, Care Credit could change the terms of the contract. I would have never taken the credit. My credit at the time allowed me to be eligible for the credit. I should not be punished because my credit score changed. I paid my bill every month on time, and I feel like I have been scammed. Care Credit uses deceptive enrollment processes to get consumers hooked and liable. The terms are vague, so it is hard for the average citizen to understand what they are getting into. Thats deception and evil. The Attorney General really needs to investigate their practices. I know I am not the only one this has happened too. Please investigate Sychrony Bank business practices and reviews. Hold them accountable. They ruin people 's credit with shady business practices.
Product: Mortgage

You guys need to close down Loancare servicing. Even with the coronavirus, they are not helping anyone out. I cant get ahold of anyone and there website is making fill out an application that is longer than buying a home for the first time. PEOPLE need something now where they can suspend there mortgage till we are done with the coronavirus. It should be easy, just look at the zip code and you can see who is affected by this and cut them a break. Loancare does not help with ANYTHING. The faster you look into them, the fast you will see how bad they are.
Product: Payday loan, title loan, personal loan, or advance loan

Someone got a payday loan n my name something I didnt do now they want me to pay it back I didnt do this in I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXXBalance : {$510.00} XXXX XXXXXXXX**Balance XXXX {$0.00} XXXX XXXX****Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} USDOE/XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with Ability Recovery Services. I recently became aware of this collection entry on my credit report, and I believe there may be errors or inaccuracies in the reporting. 

I am formally requesting that Ability Recovery Services provide me with the following information : 1. Verification of the debt, including the amount owed.

2. Copies of any documents proving that I am legally obligated to pay this debt.

3. Details of the original creditor and their contact information. 

I also request that you provide me with a written statement confirming that the debt is not being reported to any credit bureaus during the investigation period. 

Please note that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt and request verification. I expect Ability Recovery Services to comply with this request within 30 days. 

If you are unable to provide the requested information, I demand that you remove the collection entry from my credit report promptly. 

Your cooperation in resolving this matter is appreciated. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically per XXXX XXXX XXXXXXXX. As a federally protected consumer, I hereby opt out of any and all authorizations for the sharing of my nonpublic personal information that I XXXX have previously provided, whether those authorizations were given in writing, verbally, or implied through my actions or inactions. 

This includes, but is not limited to, any consent I may have provided for the sharing of my personal financial information with non-affiliated third parties. I request that you cease sharing my nonpublic personal information, except as required by law. 

Please confirm in writing that my request to opt out has been processed and provide any further steps I need to take, if applicable. 

Thank you for your prompt attention to this matter. 

I look forward to your confirmation that my opt-out request has been honored. 

Sincerely, XXXX XXXX
Product: Student loan

I completed medical school in XX/XX/XXXX and consolidated all my outstanding XXXX student loans at that time with an interest rate of XXXX %. Over the last XXXX years, my rate has dropped to XXXX % due to discounts I have received for on-time repayment history ( 1 % discount ) and enrolling in autopay ( 0.25 % discount ). In XX/XX/XXXX my XXXX XXXX was transferred from XXXX to Navient. I received a letter from Navient on XXXX/XXXX/XXXX informing me that my monthly re-payment amount would increase from {$480.00} per month to {$490.00} per month. It was my understanding that loan repayment terms should not change when the loan is transferred to a new XXXX XXXX XXXX XXXX to Navient XXXX. I called Navient to inquire, and they confirmed that my interest rate has not changed. It is still XXXX % however I continue to receive the 1 % on-time payment discount and XXXX % autopay discount, making it effectively XXXX % as before. They explained that they recalculated the loan using the higher interest rate of XXXX % and that if I continued to make the higher payment, the extra {$10.00} per month difference would go towards paying down the principal every month, and that I would actually be paying the loan off faster and enjoy lower interest payments going forward. This has not occurred. On my XX/XX/XXXX Navient statement ( prior to the increase in monthly payments ; total payment was {$480.00} ), I paid {$340.00} in principal and {$140.00} in interest. XXXX months later, on my XX/XX/XXXX Navient statement ( after the increase in monthly payments ; total payment being {$490.00} ) I paid {$350.00} in principal and {$140.00} in interest. Therefore I am paying only ~ {$5.00} more in monthly principal payments, and actually continuing to pay more per month in interest as well. I believe that I have been overcharged on my loan since Navient increased my monthly payments on XX/XX/XXXX. The additional payment has not been going towards principal payments and they are charging me a higher interest rate than when they took over my loan from XXXX who was my previous XXXX XXXX.
Product: Debt collection

I received a collection notice from a company called MRS Associates on behalf of XXXX XXXX for {$27.00}. I attempted to contact XXXX multiple times. Since my account was closed, their phone system and chat blocked me from speaking with a customer service representative. I do not owe any money to XXXX and have paid all bills.
Product: Checking or savings account

I HAVE BEEN SUBMITTING THE SAME HANDFUL OF CLAIMS TO MY BANK, Wells Fargo SINCE THE END OF XX/XX/XXXX, THERE ARE A FEW TRANSACTIONS BUT THE ONE THAT STICKS OUT THAT I ORIGINALLY CALLED FOR WAS FOR A BUNCH OF ATM WITHDRAWALS FROM MY SAVINGS ACCOUNT AT 3 GAS STATIONS OWNED BY THE SAME PEOPLE, THEY ARE ALL THE XXXX XXXX AND THEY WERE ALL ON XXXX XXXX XXXX. I DID N'T DO THIS, I DID N'T TELL ANYONE I KNOW TO DO IT, I DID N'T TELL ANYONE MY PIN. THERE WERE OTHER TRANSACTION IN MY CHECKING TOO. I WAS AT THE TIME IN PROTECTIVE CUSTODY BC I WAS IN AN UNSAFE POSITION AND I NEEDED TO BE PROTECTED. I HAVE XXXX, XXXX, XXXX AND XXXX. WHILE THIS WAS GOING ON I WAS LIKE I SAID GOING THROUGH SOME OF THE WORST TIMES IN MY LIFE. OVER THE NEXT FEW MONTHS IVE BEEN HUNG UP ON, THREATEN, BEEN LIED TO, BEEN GIVEN INCORRECT INFORMATION AS IT PERTAINS TO MY CLAIM, ON MULTIPLE ACCOUNTS, IVE BEEN TAUNTED, DISRESPECTED, TALKED DOWN TO, ACCUSED OF THINGS, ACCUSED OF LYING, YELLED AT, TALKED TO LIEK A CHILD, BEEN TRANSFER TO PEOPLE THAT WERE NOT WHO I WAS SUPPOSED OT BE OR EVEN NOT THE RIGHT DEPARTMENT, IVE HAD MORE ABUSE BY STRANGERS WHO ARE SUPPOSED TO HELP ME AT THIS BANK DEALING WITH THIS THAN I HAVE HAD IN MY WHOLE LIFE. IVE BEEN PROMISED SO MANY THINGS BY PEOPLE TRYING TO HELP AND NEVER ONCE HAS IT HAPPENED, I AM STILL OWED AT LEAST XXXX AND THEY KEEP DENING MY CLAIM BC I CAN NOT SAY FOR SURE THAT I DIDINT AUTHORIZE EVERY SINGLE TRANSACTIONS ROUND THAT ETIME BC ITS BEEN 4 MONTHS AND THEY WERE ALL DONE OVER THE WEEKEND.
Product: Credit reporting or other personal consumer reports

This collection agency has furnished a medical record to my consumer report illegally without my authorization under HIPPA.

HIPPA is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge Permitted Uses and Disclosures The law permits, but does not require,
a covered entity to use and disclose PHI, without an individuals authorization, for the following purposes or situations : Disclosure to the individual ( if the information is required for access or accounting of disclosures, the entity MUST disclose to the individual ) Treatment, payment, and healthcare operations Opportunity to agree or object to the disclosure of PHI An entity can obtain informal permission by asking the individual outright, or by circumstances that clearly give the individual the opportunity to agree, acquiesce, or object Incident to an otherwise permitted use and disclosure Limited dataset for research, public health, or healthcare operations Public interest and benefit activitiesThe Privacy Rule permits use and disclosure of PHI, without an individuals authorization or permission, for 12 national priority purposes : When required by l

aw Public health activities Victims of abuse or neglect or domestic violence Health oversight activities Judicial and administrative proceedings Law enforcement Functions ( such as identification ) concerning deceased persons Cadaveric organ, eye, or tissue donation Research, under certain conditions To prevent or lessen a serious threat to health or safety Essential government functions Workers compensation The reporting agency are not listed under the 12 priorities listed above.

This illegal reporting of my medical record has caused me to be denied for a mortgage loan damage my reputation, character, and livelihood.
Product: Credit reporting or other personal consumer reports

please remove all the negative accounts and inquiries listed below this is incorrect delete them all now XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXXL Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX error XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX & XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX. 


XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested for EXPERIAN to do a reinvestigation of this XXXX XXXX XXXX listed on my credit report. ON XX/XX/XXXX EXPERIAN verified the account as accurate which is completely false because I have documentation showing this inaccuracy. I sent in documentation showing why this XXXX XXXX XXXX account was not accurate and demanded it be deleted but EXPERIAN refused. Since XX/XX/XXXX all civil public records to have a name, address, and a Social Security number or date of birth before appearing on credit records from the three nationwide credit reporting companies. My documentation will show that all the requirements to report a civil judgement on my credit report have not been met and they still refused to delete it. This a clear violation of my FCRA rights. I'm filing this complaint because I intend on to taking legal action in the near future.
Product: Credit reporting

Experian is unwilling to let me dispute clear and mistakable errors reporting on my credit report. I have personal information that is not mine and a error on an account that is not reporting correctly that I want corrected immediately.