23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX 's office called XX/XX/XXXX and offered a 50 % year-end promotion on dental services. His treatment plan called for two XXXX   XXXX XXXX and two XXXX for XXXX XXXX & XXXX. After receiving substandard dental  services which caused excruciating pain on XXXX   XXXX and the discovery that the 50 % discount was actually more than the allowed insurance rate, I cancelled services and requested a refund for services paid but not rendered since I paid the treatment plan in full ahead of schedule. 

XXXX XXXX billed XXXX at {$1200.00}, with 50 % discount, my cost is {$600.00}. However, XXXX contract pricing is {$600.00} for XXXX   member rate is {$300.00} of which I pay 60 % or {$180.00}. He is clearly overcharging. 

XXXX XXXX reversed 2 payments of {$550.00} each and {$300.00}, since XXXX XXXX refused to return money, stating services were performed. Included is a treatment plan from XXXX XXXX on XX/XX/XXXX for XXXX build up and XXXX  for XXXX XXXX & XXXX. 

XXXX XXXX scheduled XXXX to be seated XX/XX/XXXX. However, after cancellation , XXXX XXXX billed XXXX for 2 XXXX XXXX XXXX  and XXXX XXXX for services rendered XX/XX/XXXX, which is fraud. Please note treatment plan from  XXXX XXXX on XX/XX/XXXX for XXXX and XXXX   buildup on XXXX  XXXX & XXXX. This clearly shows work was not completed on XXXX  XXXX & XXXX 

After review, XXXX determined, those services were not performed and adjusted XXXX XXXX 's claim accordingly. XXXX XXXX continues to bill for these services not performed and referred such to Paramount Recovery for collection. 

Attached is a ledger showing charges and my initial payment with the promotional discount, letter from XXXX stating services were not provided, but started, EOB from XXXX for services rendered, ledger for services he seeks to collect payment, and invoice and from XXXX XXXX for XXXX XXXX XXXX and XXXX for tooth XXXX on XX/XX/XXXX. In short, his claim is fraudulent and deceptive. His claim is fraudulent. 

XX/XX/XXXX, I emailed Paramount Recovery Systems the above mentioned statements from XXXX XXXX, letter from insurance company stating the work wasn't completed and invoice from XXXX XXXX for XXXX and XXXX XXXX XXXX  on tooth XXXX, disputing these charges from XXXX XXXX. Since I had not heard back from Paramount Recovery Systems, I called XX/XX/XXXX, for update and was told because I visited the XXXX XXXX XXXX, the claim is valid and will not be removed. 

I am appalled Paramount Recovery Systems is shunning it's responsibilities in addressing this issue. In the past, I called several times and was told a supervisor would call back in 24 hours. I never received a call back from anyone. Paramount Recovery Systems notified XXXX, which shows " disputed '' and status shows " closed. '' The other 2 agencies show status " active '' with no dispute indication.
Product: Checking or savings account

On XXXX XXXX I filed a claim with chase fraud department Claim # XXXX. 
XXXX checks were forged deposited into my account and cashed against my account # XXXX. 
A check for {$1900.00} and a check for {$2800.00} XXXX XXXX, XXXX  CASHED CHECK RETURNED XXXX # OF XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX | Returned deposit item - {$1900.00} XXXX XXXX, XXXX  CASHED CHECK RETURNED Forged Rule XXXX XXXX # OF XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX | Returned deposit item - {$2800.00} In addition I was charged XXXX returned fee checks : XXXX XXXX, 2022 CASHED CHECK RETURNED FEE : XXXX Forged Rule XXXX XXXX # OF XXXX # XXXX DEP XXXX DEP XXXX XXXX XXXX  XXXX Fee - {$12.00} XXXX XXXX, 2022 CASHED CHECK RETURNED FEE : XXXX XXXX # OF XXXX # XXXX DEP XXXX XXXX  XXXX XXXX XXXX XXXX Fee - {$12.00} On XX/XX/2022 I was Reimbursed {$24.00} for the fees and {$2800.00} for one check but NOT the other check. I have called several times ( Chase fraud dept ) since XX/XX/2022 their answer is it will be done " in XXXX to XXXX business days it is being reviewed ''. Today XX/XX/2022 i spoke with XXXX, account supervisor in claims, he states there is an extension for another 5 business days. He states that the person or department reviewing does not have a phone that can be called?? 


XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX cel phone 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

we could not make our lasts month payment because of high utility bills. we asked acc. rep. to defer our payment til the end of our loan. he said no problem since we had never done this in the past. when we contact him he says he is waiting for approval. it 's been a couple weeks we think he might waite til so much time has gone by and try and forclose. we have been denied a loan modification. our interest is 10 %. we are on social security greentree says our income is enough. when we pay our bills we have a little over XXXX left and that is without buying food or gas for our car when we applied for a loan modification they said we would have to pay XXXX a month for 4 months we can barely pay XXXX can you help us. we don, t have any loan papers from greemtree, only a letter we got years ago saying saying they had acquired our mortgage.
Product: Consumer Loan

Company keeps calling and harassing me even though I have made arrangements for my 1 month late payment. They also are leaving voicemail 's on my family 's house phone stating that " XXXX needs to call them back ASAP regarding a very serious debt ''. This company is now calling me and hanging up on me repeatedly throughout the day disturbing me.
Product: Mortgage

I applied for a refinance with Sebonic Financial/Cardinal Financial on XXXX/XXXX/15. It took 3 weeks to receive an appraisal, rescheduling 2 times prior to signing closing. But my biggest concern is that I never received a closing disclosure document prior to the notary coming to my house. I did not have time to review my responsible charges. I feel there were incorrect charges on the document. I did not sign and the notary did not leave a copy of the document at my house either.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX
Product: Mortgage

Our family was devastated by XXXX XXXX and my husband XXXX was out of work for over one year and hospitalized and XXXX and nearly passed. During that time we fell behind on the mortgage payment with Wells Fargo and I tried to see if there were any programs available to help families devastated financially because of the pandemic. When I talked to their agents they told me they could not offer a forbearance or deferment or any solution, but said they would mail out a form for me to fill out. But nothing was ever received. I called their agents repeatedly, asking for help, any type of help. They did not offer a forbearance, they did not offer a deferment of delinquent payments due to XXXX, they did not offer a modification and never sent the paperwork needed to be considered for help. My husband was at death 's door and unable to work and we could not pay our mortgage payment because of the deadly pandemic and Wells Fargo, a multi billion dollar company could not even offer us any type of relief. To make matters worse they listed our house for sale and failed to notify us until one week before the sale. We did not know we were in foreclosure, we did not receive any notification of the legal process and the only reason we knew there was a sale date was because of we got a letter on XX/XX/XXXX telling us the sale was in one week. The Notice of Sale paperwork is dated XX/XX/XXXX and they claim that the notice was posted on our property and mailed to us on XX/XX/XXXX. This is false, the document was not even notarized as legitimate until XX/XX/XXXX. It is quite obvious that Wells Fargo wanted to steal our equity instead of working with us on our hardship. ( document attached ) We bought this home with a conventional 30 year fixed loan with Wells Fargo in XXXX. We had no problems with the mortgage payments or finances. XXXX has worked as a mechanic for 43 years and I work as a customer service assistant. However, we were not prepared for the devastation from XXXX and the toll it would take on my husband. We were fine the first few months when he was out of work, but once he went in the hospital the extra bills plus the loss of his income was too much and we could not keep up with our mortgage payment. We were desperate for help and I called so many times to try and find out if Wells Fargo could help our family with our missed payments but were never given access to any of the programs such as CARES, forbearance, loan modification or repayment plan. We fell further behind and Wells Fargo decided it would be better to foreclose on us than to work with us Due to the fact that we had such late notice of the foreclosure we were forced to file bankruptcy in order to save our home. This was avoidable if Wells Fargo would have worked with us and followed the servicing guidelines. XXXX is healthy and back to work full time as of XX/XX/XXXX and I am back working full time also. Our hardship is resolved. We need Wells Fargo to work with us to fix this problem.
Product: Credit card

Dear Sir/Madam, I am writing to formally lodge a complaint against Capital One regarding their failure to increase the credit limits on my XXXX and XXXX credit cards. Both accounts have been paid timely and have remained in good standing since their inception, demonstrating my responsible credit usage. 

Despite this, I have not received any credit limit increases on either card, despite my eligibility and consistent efforts to maintain a positive payment history. I have made multiple requests for higher limits and have met all necessary criteria, yet Capital One has not granted an increase on either account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent.

I did not give permission for any of these companies to furnish my information.
Product: Credit card or prepaid card

Errors of omission, Errors of Commissions, unauthorized transactions due to a data breach, breach of fiduciary duty to make funds available for the card users by levying the credit and consumers abilities to utilize settle debts during public interactions, financial disenfranchisement, and limits financial tranquility, and prosperity. 
We notified cash XXXX  and called several times. Cash refunded several disputes, but keep thousands of stored value and concealed claims to cause harm to the XXXX. 
Units of accounts go un monetize and monetary value are not properly assessed to be expended.
Product: Credit reporting or other personal consumer reports

XXXX has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Experian also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

America First Credit Union is reporting late payments for XX/XX/21, XX/XX/21. I called and set this account up with auto draft. I should not have any late payments, whether or not the rep did their job is not my fault. I called and made this arrangement.
Product: Student loan

Navient harassed me and kept attempting to collect money from me after I had paid my loan in full. They kept placing me in forbearance and even calling distant relatives that had no knowledge of me being in school leading to dangerous situations and people who were not aware of where I lived or my phone number being able to find me. I have not received any type of settlement from them from the law suite but believe I should qualify.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a account with this company, now they are reporting in my credit under a bankruptcy. I told the rep I disputed this account requested validation of the inaccurate account on my credit report, then added it to a disputed bankruptcy on my credit report. I was also told they open this accounts online. I told the rep I am a victim of identify theft also had a problem with a security breech, They refused to remove this account from my credit or provide me proof of who opened this account, I also requested a contract with my signature. This is not my account and has been damaging my credit for years. 

The address the rep gave I have never lived at. I am demanding this removed this is a fraudulent account & has not been filed under a bankruptcy. I believe this status was added to keep this inaccurate information on my credit longer after my dispute with this company.
Product: Debt collection

Someone called me. Said his name is compliment officer XXXX XXXX. He taking legal action against me. He has a warrant to arrest and take me to jail. He called my place of employment told my the same information. They said I have an outstanding payday with XXXX XXXX date XX/XX/2015. Wanted me to pay them {$210.00}. They threaten me here is there phone number XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/year> My Robinhood and XXXX accounts where logged into and thousands where stolen the last balance I had in my Robinhood account was XXXX dollars and the last balance I had in my XXXX account was about XXXX dollars after my phone was stolen and the funds stolen I submit claims with both of these companies and I have not received no resolution XXXX even said they where not going to return my stolen funds
Product: Credit card

I had three accounts with Synchrony Bank, 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 All accounts were closed and I was told over the phone due to high risk for faliure to pay. I've never had any delinquent remarks on my credit, nor with other creditors. so this was a very disappointing remark to hear from the company directly. I inquried with all three credit bureaus and they informed me that they do not have those remarks on my credit reports or file, but from what Synchrony informed me was that they received this information by the credit bureaus. This is going to hurt my credit tremendously and creditors should inform clients if accounts will be closed instead of closing them randomly without any given explaination and to be given a chance to dispute with credit bureaus. This is unfair and we are in the process of purchasing a home and now I have to deal with this issue that will set us back tremendously. its unfair.
Product: Debt collection

I enrolled for Personal Training on XX/XX/2022, and on XX/XX/2022, I received the contract via email to an email which I really view ( XXXX ). When I received the contract I reviewed it and it states " You must provide written notice of cancelation delivered or sent via mail or email XXXX, so I did and continued with my business. After XXXX continued billing {$43.00} on mXXXX XXXX XXXX for four continues months I logged into my email address and noticed that I received a reply dated XX/XX/2022, stating to contact my Club for cancelation because they can not assist me ( view Attached XXXX XXXX XXXX XXXX ). I've gone to the GYM and spoke with XXXX XXXX the Fitness Manager regarding this issue and he stated that he would take care of this issue. On XX/XX/2022, I had a conversation with XXXX asked me to email him a copy of the email that I've sent and that he would handle this ( view attached Urgent Proof of PT Cancelation Doc ). Several days went by and I have not received an update from XXXX, so I went to the GYM again, and he requested for me to re-type the cancelation request and explain why it wasn't clear, so I did ( view attached Revised Cancelation Letter ). Then as more time went by I contacted my Credit Card company and disputed the 4 charged of {$43.00} each and from a temporary credit they became a permanent credit and the merchant didn't respond. I spoke with XXXX from XXXX and he froze my PT training contract so I would not be billed. Until today, XX/XX/2022, I received a voice mail from XXXX from a collection company stating that I own XXXX XXXX {$600.00} and change for the personal training contract. I advised her of ALL the process that I have gone through to get this resolved with XXXX XXXX, offered to email her ALL documents so she can contact XXXX XXXX since there is no easy way to do so, but XXXX declined, so I drove to the GYM, and spoke with XXXX and he told me that he accessed my account and it shows that I owe a XXXX ( {$0.00} ) balance and all of the {$43.00} charges have been refunded and if the account would have charged off and gone to collections it would show an existing balance on the account. At this point I don't know who to believe and all I know is that they are claiming each other and they are ALL dropping the ball and this is going to impact my Credit Report. There are multiple regulations that they are violating. 1 ) Sales Practice- Not disclosing all the details on the contract. 2 ) UDAAP - their contract states that you can email to cancel the contract, but then they say that you have to contact the GYM.
Product: Mortgage

I asked if I would be able to refinance my FHA mortgage with Gateway Mortgage Group LLC. Im currently on forbearance and they stated they would not refinance my mortgage as part of their rules. I asked for a letter stating guidelines while on forbearance first they stated they will not send any letter, and also stated, we will mail it to you. I have not received any kind of rules/ guidelines. Also, they are premiering to the credit bureaus that I have missed payments due to the pandemic and they have not fixed it. They are charging me late fees and any money that I have paid to my mortgage they have not applied to my balance. I was informed by phone that my mortgage was sold to XXXX XXXX and have not received any letter stating this action. When I asked they said it was mailed XX/XX/2021 and I spoke to XXXX  XX/XX/2021
Product: Payday loan, title loan, or personal loan

I took out a title loan of {$2100.00} in XX/XX/2018. My payments are {$380.00} per month and I have made 3 payments. When I am 1 day late on my payment, they will call me and threaten repossession of my vehicle. 

I asked for a payoff amount today and it was for almost {$3500.00}! This seems so outrageous to owe more than double the loan amount after only 5 months.
Product: Debt collection

Starting at XXXXXXXX XXXX on XX/XX/XXXX a company that identified itself as XXXX XXXX XXXX XXXX ( XXXX ) called my cell phone. I missed the call but returned it as soon as I could. On this first call they refused to give me any information as to who they were and why they are calling me. Since that initial contact they have called me 12 times. on XX/XX/XXXX at XXXX XXXX I finally talked to a different person that identified themselves as calling from XX/XX/XXXX. They said that they were calling to collect a credit card debt. They gave me the information and it was clearly the wrong person and a debt that I had never acquired. I ask for proof in writing and they said the law did not mandate it. Since that conversation one hour ago they have called me 2 more times.
Product: Checking or savings account

Chase has locked my account for suspicious activity. Nothing suspicious was going on
Product: Payday loan, title loan, or personal loan

So far since 2017 I have been paying this {$3000.00} debt. 
I fell behind one time because loss of job. But I told them that too but now have been paying {$270.00} every month for 4 years almost. I paid over $ XXXX in payments already. 
I need to get out of this please help. I had no clue it was daily interest of 100 % Thank you I talked to them and still i have $ XXXX
Product: Debt collection

I have attempted to make contact with the Collection Company by sending a Letter of Validation for which I sent via USPS with a Return Receipt : XXXX XXXX XXXX-Original Creditor Southern Credit Recovery-Collection Agency I never received prior notification regarding this debt. I do not owe this debt as my medical services were completely paid in full. I have sent a letter to them and they have not responded. I XXXX the address of the creditor and they are not verifiable. I should have this debt cleared from my credit report, this is an error and fraudulent. 

The address that is listed on my credit report is the following : XXXX XXXX XXXX XXXX, LA XXXX ( XXXX )
Product: Debt collection

I had a car accident 3 months ago and the insurance company was supposed to fix the situation because my insurance company doesn't show me as guilty and that stopped. Now a company is calling me to tell me that if I don't pay {$7000.00} they will suspend my license and registration, always in a manipulative manner without sending concrete evidence. I don't even know where they got my information. They call me every week to harass me, they send confusing letters to my house. First they told me that I didn't have insurance for that date when I do have proof that I had it active and then they changed the story to say that I didn't have coverage and they weren't going to respond. It's all very confusing. Besides, they are rude and threatening. I am a minor and I don't deserve that treatment. I have proof where my insurance is valid and all the threatening calls and letters.