23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I sought XXXX XXXX XXXX at XXXX XXXX due to a XXXX XXXX that required XXXX. Despite conveying the urgency of the situation, the XXXX attempted to persuade me to opt for a XXXX instead. Expressing my concern about the viability of crowning a extensively XXXX XXXX, the XXXX  initially failed to identify the severity of the XXXX XXXX XXXX XXXX 

Upon reassessment, he acknowledged the extensive XXXX prompting the decision to XXXX XXXX XXXX The extraction process was excessively prolonged, causing the XXXX to wear off, and resulting in a painful experience. The XXXX inadvertently caused damage to the XXXX XXXX XXXX XXXX XXXX during the XXXX, and I was denied evidence of the XXXX XXXX 

Subsequently, the XXXX  proceeded to XXXX XXXX XXXX  without my consent, contrary to my request for XXXX XXXX. A shockingly high bill of over {$8000.00} was presented, encompassing charges for XXXX XXXX XXXX, which I believed should have been waived based on a presented coupon. Additionally, a promised veteran discount was not applied. 

The XXXX assured me that a temporary solution to allow XXXX XXXX XXXX XXXX would be provided, along with a complimentary XXXX XXXX  to address the damage caused during the XXXX XXXX. However, the pain persisted XXXX, and follow-up visits were unproductive, with the XXXX dismissing my concerns. 

Seeking relief, I visited the Veterans Affairs XXXX XXXX department, where it was revealed that the previous XXXX XXXX  work was subpar, leading to a XXXX XXXX and unnecessary XXXX on XXXX XXXX XXXX. Despite planning further procedures, I experienced persistent XXXX 

The billing discrepancies escalated when I discovered an overcharge on my card and sought clarification from Synchrony Bank, the service provider for Care Credit. Despite providing evidence and undergoing an alleged investigation, Synchrony Bank failed to rectify the situation and sent inaccurate documents, including a signature forgery. 

Numerous attempts to resolve the matter with the dentist via certified mail were ignored, exacerbating the situation. Synchrony Bank 's subsequent promise of a new investigation remained unfulfilled as they charged my card for the full fraudulent service. In an additional setback, Synchrony Bank reduced my credit limit to the outstanding amount and subsequently closed my account. 

The dental office consistently withheld receipts, providing one three weeks after the visit, which was not only belated but also contained inaccuracies. I was erroneously charged for services such as the XXXXXXXX XXXX, denied the veteran discount, and had XXXX  and XXXX  charged despite the presented coupon. 

Repeated requests for correction to the receipt were met with three different versions, each displaying varying costs. This continued billing discrepancy, coupled with incessant harassment from both the XXXX XXXX and Synchrony Bank, has led to severe mental stress, exacerbating my XXXX XXXX XXXX XXXX XXXX. The entire ordeal is characterized by mistreatment, deceit, language fraud, and insurance fraud, necessitating urgent resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft someone has there photo on my drivers license info and has open several accounts under my name that are not mine Ive provided police reports social security cards signatures and a police report that states the dmv has a drivers license with my information and someone else picture equifax refuses to remove front report these fraud accounts XXXX  and XXXX  have removed these accounts equifax keeps trying to get me to purchase a credit monitor program from them I refuse so I believe this is why they will not delete them
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.However, to my dismay, these disputes have not been duly noted as required by law.Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights. 


XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Mortgage

XX/XX/XXXX I submitted a complaint ( Claim XXXX ) regarding obtaining a Deed in Lieu release from Seterus. At that point, we had been attempting to obtain this release since XX/XX/XXXX. 
Shortly after submitting our complaint to you, we received a letter fromSeterus dated XX/XX/XXXX advising us that our Deed in Lieu hadbeen approved. That letter requested we submit notarized SettlementDocuments to Seterus and their Attorney within 2 weeks. We did that ... 
all documents were submitted and loaded into the Seterus system XX/XX/XXXX. Upon receiving these documents, Seterus wasobligated to send {$6000.00} to XXXX XXXX Bank, the junior lien-holderon the property so they could release their lien to enable Seterus to closeon the property. On XX/XX/XXXX I contacted XXXX XXXX whoadvised me that they still had not received the {$6000.00}. On XXXX XXXX, Icalled Seterus to check on the status of the check. It had not beenmailed yet. I was told that the department who handles this had left forthe day but someone would be contacting me. The person at Seterusalso said they were escalating this matter to the supervisor of the person who was to issue the check. No one contacted me, so today, XXXX XXXX, I called Seterus again. When you call Seterus, you are only allowed tospeak to the customer service rep who answers the phone. They never, never transfer your call to any other person either within or outside thedepartment. Each time it is someone who is completely unfamiliar withyour case, so the average call takes 45-50 minutes while the rep reviewsyour file, " reaches out '' to someone else, etc. The first person myreached out to on that call sent a message back saying based on herreview the file was closed. 

I said that was impossible, because XXXX XXXX is stillwaiting for {$6000.00} to release their lien before Seterus can close. Therep then reached out to someone else who advised that she saw arequest for the check to be issued, but it appears not to have been issuedThe person responsible for doing so was " out on leave. '' The rep wasadvised that the person she was messaging would have someoneinvestigate the matter tomorrow, since the XXXX Officer assigned to my admy account was " out of the office. '' I told my rep I need to knowimmediately when the check will be issued to XXXX XXXX. She said Ishould call Seterus back " next week '' for an update. I reminded her thatthis DIL process had been going on for more than 1 year, and I need acommitment as to when the check would be issued. The rep reachedout to her supervisor who reviewed what had just transpired and told therep to tell me to call back next week. This is symptomatic of theproblems I have encountered with Seterus, and why it has taken overone year to complete this transaction. I am not new to the DIL process : I have done thishave done this before with other properties and banks, and have neverencountered inefficiency and errors of this magnitude.
Product: Debt collection

I reached out to this company for over 5 years to get this matter resolved and removed from my credit report because this account is not mines. They have failed to show me proof that this account is mines. The information they shared does not match my health insurance company. My insurance doesnt have any knowledge for this account as well.
Product: Student loan

I have been trying to get a refund of payments made during Covid for almost 4 months now. 

It is now end of XXXX. The first time I called was end of XXXX, and the customer service rep told me I would receive my refund in 6-8 weeks. I gave them the benefit of the doubt and waited 10 weeks. Then I gave them a call. This XXXX rep told me she did not see anything indicating a refund was requested. Luckily I had email proof, because I had also emailed them about this around the same time. She said she would fast-track my request to be processed in a couple of weeks, since waiting time was 8-10 weeks now. 

I called and emailed multiple times and kept getting the run-around. Its coming or we will get to it soon. I was told my processing date would be first week of XXXX. 

I just got communication today XX/XX/27 saying it would now be 10-14 weeks. Ive already been waiting 16+ weeks. This is getting ridiculous. Theyve lost all credibility and I dont trust them at all since theyve lied so many times about the timeline. My friends with loans with other student loan companies requested around the same time and got their money back in less than 8 weeks with no issue.
Product: Credit reporting or other personal consumer reports

The hard inquiries on my report were not approved and are unlawful under 15 USC 16c-2 ; remove them.
Product: Checking or savings account

I opened a checking account with Citizens Bank on XX/XX/2022. I opened the account with Promotional Code : XXXX. The promotion states you are to receive a {$400.00} bonus if you have direct deposits totaling {$500.00} and 50 transactions on the debit card that is linked to the checking account within 60 days of opening the account. I have met all of these requirements. I have called the bank several times and each time I am told a different answer on when I can expect to receive the {$400.00} bonus. I feel I am getting the runaround at this point. Any assistance you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I stopped my ACH w/drawal for my mortgage payment to Bayview Loan Servicing ( my second mortgage company ) because I was offered by them a Forbearance Plan ( in writing on XX/XX/XXXX ) because my property was designated as being in a major disaster area due to Hurricane Irma. I did not apply for this, they gave it to me and stated that during this time I did not need to make any mortgage payments for three months. 

XX/XX/XXXX Letter certifying I sent them financial information they requested. 

XX/XX/XXXX Announcing that I am pre-approved to " complete a loan modification '' that will lower my monthly payments. I did not ask for this ; this was offered to me. 


XX/XX/XXXX Reference delinquent loan. I, at this time, had not been asked to make a payment. In fact, I was advised that my loan was in good standing. 

XX/XX/XXXX Acknowledging receipt of my complete Loss Mitigation Application. 

XX/XX/XXXX Announcing I am pre-approved to complete a unique loan modification. 

XX/XX/XXXX Signed Loan Modification Agreement Prior to Bayview contacting me about the National Disaster Program, my mortgage payment was being submitted timely each month. I did not ask for a modification or any change to my mortgage with Bayview. They offered it to me, and I accepted. I checked my credit report XX/XX/XXXX, and discovered that they had reported to the Credit Bureau that I was past due XX/XX/XXXX and subsequent payments. 

XX/XX/XXXX I contacted Bayview about this erroneous reporting to the Credit Report and received a letter stating in part that they were required to report factual data. The information they reported is not factual and is devastating to my credit score. This is very unfair for a business to be able to get away with such shoddy work. 

During the time I was dealing with Bayview for this modification, it was next to impossible to make contact with them. Maybe ten percent of the time the phone was actually answered by a human being. I mainly dealt with XXXX XXXX ( XXXX ) ; but would leave a time for him to return the call. 

I was a very good customer of Bayview. I paid my mortgage timely, eventhough I know I got a very bad deal from them in the beginning, but I honored my commitment, and they should do the same.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2021, I received an unsolicited usbankreliacard debit card. Looking online, it appears it is unemployement compensation. I tried calling the number on the card, but they do not answer. I submitted a fraud form to the bank via email ; however I am concerned the bank will not notify the state ( unidentified ) that is paying out the unemployment claims. 

As a taxpayer, this kind of fraud is disgusting. I want you to know how easy it is to scam state governments! Please help the USA and its taxpayers from this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information on my credit report that is adversely affecting my credit. I requested disputes and my account does not even reflect that an investigation was done. None of the inaccuracies have been updated or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was not authorized. Please remove this and any others that are outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$1000.00} - This specific account is certainly displayed as a charged off account, please don't hesitate to analyze the main reason why there's a balance showing you on the report if it is a charge off? The account balance is actually erroneous, please be responsible to turn it to XXXX or delete the item completely. Also render documentation to be sure of all the charges and credits with this assumed account came from me. My request to deliver these documents is a formal information appeal in accordance to my legal rights issued from the fair credit billing act. If you can't present this data per my civil rights request, delete this immediately. 

XXXX XXXX XXXX {$860.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX  XXXX Balance {$710.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was involved in Ace cash express refund settlement and did n't receive the check until late XXXX XXXX, check was dated in XXXX. Looked into last month, after hours of getting no where gave up. Seen it again and figured I try, it 's over XXXX $ so would like to figure it out.
Product: Checking or savings account

I was younger and had checking accounts that were over drawn and closed and charged off. Now I am black balled from every bank. I have to have a checking account for my job but no one in XXXX. Tn will allow me to open a checking or savings account.Dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX Account # XXXX ; XXXX FCU 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: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the Equifax data leak that occurred in XXXX 2017. The fact that I, along with over half of my fellow Americans, have had my identity stolen that can be used either now or in the future leaves a high amount of uncertainty of my financial records and credit. I demand consequences to Equifax and the executives responsible for this, as well as security on future data and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have not provided proof from the holder ( XXXX XXXX XXXXXXXX ) of verification from the holder regarding a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account XXXX XXXX  back on XXXX and XXXX of this year. This item was deleted but now it has been reinserted on my credit file. This is a major violation because this account is not mine and it has been reinserted on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my 3 credit bureaus reports recently and noticed some unauthorized inquiries on my credit report. I called each individual company to report the inquiries as unauthorized. However, they are still listed on my report. These inquiries are inaccurate and unrecognized by me. I am requesting the immediate removal of all inquiries listed below by each credit bureau. 


Unknown Inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Inquiries From 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 Unknown Inquiries From XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX
Product: Money transfer, virtual currency, or money service

I meet a lady that talked me into money transfers on cashapp to pay to get her inheritance left from her deceased husband so she use this wallet for me to put money in at cashapp account XXXX XXXX so between my wife and I weve lost around XXXX she just kept asking for more money until i finally realized she was using us my credit union also never challenged what were doing
Product: Debt collection

LVNVFunding LLC, regularly sends emails claiming they have a limited time to work with me before returning my debt to their " Client. '' this is against several FDCPA laws. LVNV is not allowed to make false claims they represent someone or something else. They can not claim they represent a " Client '' and not identify who the true debt Holder is. I have asked for verification of the debt and they have not provided it. LVNV is not allowed to attempt to collect the debt until verification of the debt. They have broken several laws and continue to break more. I have asked them to cease communication with me except through mail. they continue to email me seeking to settle " while they still have time. '' LVNV also called several members of my family and my wife 's family notifying them that are looking for me to pay a debt. They are not allowed to contact my family unless to find contact information, which they already had and did not need to seek to intimidate me through harassing my family. They are not allowed to disclose they are seeking me to pay a debt to my family either, they are only allowed to say they are a debt collection agency. They informed family members they were looking for me to pay a debt. LVNV Continues to report false information to the credit bureaus. They claim to own the debt when reporting to the agency but in their email, they claim they are working for a client. So either they own it or they don't. This is fraudulent reporting and against the law.
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 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 section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I spoke to the 3 credit Bureau back on XX/XX/year> about a collection account XXXX XXXX XXXX XXXX. I told them that this account is fraud and provided them with a police report, FTC report number, and CFBP report and nothing changed I dont believe they are doing an actual investigation. I reached out to the collection agency on XX/XX/year> on the phone and still havent received any documentation that validates this debt. And I also sent a letter to them on XX/XX/year> and received no response.
Product: Credit card or prepaid card

SOMEINE APLIED FOR THIS CREDIT CARDS USING MY INFORMATION ON XXXX

Source: XXXX XXXX:
JPMCB CARD SERVIES
Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX