23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Unfortunately, I've had to request a return XXXX  for my deposit from alpheaon ( XX/XX/23 ) and ( XX/XX/23 ), but I've yet to receive it, they failed to advocate for me and stated that I have to pay the balance with them because the issue is with the provider and not alphaeon. I made the request for refund many months before the " planned '' XXXX date ( XX/XX/23 ), but the provider seems to refuse to refund the deposit for a treatment I never received. I filed a dispute with the credit card company, but it yielded few results because the provider stated that the deposit is " non-refundable '' which I never agreed to this policy. During the virtual meeting, the XXXX  was very pushy about scheduling a XXXX  date and placing a deposit, the visit was conducted via XXXX, and he never mentioned that the deposit was non-refundable. I've attempted to contact the provider through text, but he hasn't been cooperative. I never signed any agreement accepting that the deposit I made will be non-refundable. I'm urging for things be resolved professionally and quickly, Additionally, his {$4500.00} charge for a video XXXX call regarding his opinion on procedures he believes I should have for my face is truly disheartening and should not cost {$4500.00}. It's a difficult situation to be in, and I've sought out various authorities to try to rectify it and gain help on fighting a physician with more money and power than me. 

The XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX NY XXXX website : XXXX please be careful when researching thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Equifax on the issue of the violation of which needs to be resolved. 
I did not give my written consent to have the following items reporting on my consumer report, and No consent is Identity Theft. 

XXXX XXXX XXXX XXXX Ithink XXXX XXXX XXXX Under 15 U.S.Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I would like to have proof providing that I gave written consent for these items to report on my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported Charge-offs : {$430.00}, {$470.00}, {$540.00}, {$21.00}, {$28.00}, {$35.00} Potential Violations : FCRA 623 ( a ) ( 1 ) : Furnishing information that is inaccurate or incomplete to consumer reporting agencies. 




XXXX ( XXXX XXXX XXXX ) Reported Charge-off : {$8300.00} Potential Violations : FCRA XXXX ( a ) ( XXXX ) : Reporting information beyond the allowable time limit or failing to ensure the accuracy of reported data. 




XXXX XXXX  Reported Charge-off : {$11000.00} Potential Violations : FCRA 623 ( a ) ( 1 ) : Reporting information that is inaccurate or incomplete. 




XXXX XXXX Reported Charge-off : {$7600.00} Reported Late Payments : Additional issues with payment history inaccuracies. 

Potential Violations : FCRA 623 ( a ) ( 1 ) : Failure to ensure accurate and complete reporting of data. 



XXXXXXXX XXXX Status : Account paid in full ( {$48.00} ), but inaccuracies persist.

Potential Violations : FCRA 623 ( a ) ( 2 ) : Failing to correct or update inaccurate information after notice. 



XXXX XXXX XXXX ( XXXX ) Reported Collection Accounts : XXXX XXXX ( {$1400.00} ) XXXX XXXX XXXX. ( {$450.00} ) Potential Violations : FDCPA 807 ( 2 ) ( A ) : Misrepresenting ownership or validity of the debt.

FCRA 623 ( a ) ( 1 ) : Reporting inaccurate or incomplete data to consumer reporting agencies. 




XXXX XXXXXXXX XXXX XXXX Reported Charge-off : {$2300.00} Potential Violations : FCRA 623 ( a ) ( 1 ) : Reporting information that is inaccurate or incomplete. I sent dispute letters to remedy the situation on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX  Please remove this inquiry from my credit report 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX WASHINGTON , DC XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX WASHINGTON, DC XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I bought XXXX XXXX XXXX From them everything seemed good until I was about to install a CD player came to find out there was a second layer of Dashboard I started looking further and realized there was a sheet of plastic glued on the Dashboard I took it off and the complete dash was broken I reached out to the sales rep he said we will fix it and then to reach out to service manager. I called him he goes I told the sales manager that do not sell the truck like this no one will like it let me call you back I said OKAY and they never called back I went to the dealership and try to get my truck fixed the manager cursed me out and threaten me. 

XXXX XXXX who financed my car is there XXXX company registered in different state but mailing XXXX XXXX XXXX is XXXX XXXX. I asked the Loan officer who was funding the loan not to do it as i found the mechanical problem but they still went ahead and did it..As this was an inhouse deal so they know what they where doing this is Fraud and Scam with the Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account numbers XXXX. ( Please pages 7, 8 and 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit card or prepaid card

I tried to use my " Albert '' prepaid debit card on Thursday XX/XX/XXXX at the gas station. The transaction kept failing. I checked the account funds were/are available however it shows " your card is currently unavailable ''. It usually shows the virtual card however now it doesn't show any information other than my name. 
I have sent text messages, emails, called XXXX XXXX called customer service. You can't speak to anyone about your account, refers you to the app to send email or text. 
My direct deposit goes into this account, I can't buy food, get my medication or pay my rent. No one has responded to me. Please help me with this.
Product: Credit card or prepaid card

I held this credit card for over five years. My payment history was good and as result the amount of credit extended to me was increased. My payment was due on or around XX/XX/XXXX. On the evening of XX/XX/XXXX, I made a payment in the amount of {$2000.00}. I immediately realized that I made a mistake but given the hour could not correct it. I called the next day and tried to stop the payment to no avail. The payment was processed and returned by my bank. On XX/XX/XXXX, I made a payment in the amount of {$2000.00}. This payment was processed. On XX/XX/XXXX, I was notified that the account would be closed and my interest rate increased to 26.24 %. The correspondence cited a number of dishonored payments and that simply is not true.

This seems extremely harsh considering I remedied the error, there was no impact to the lender, and my payment was timely. If I missed the payment entirely the impact would not be as severe, merely a late payment fee. The action taken by XXXX XXXX negated my effort to reduce this debt. This has negatively and unnecessary destroyed my credit.
Product: Payday loan, title loan, or personal loan

Wells Fargo bank of XXXX Ga XXXX sent me an offer, letter and card that I was eligible for a loan. I have been doing business with them for nearly 30 years. My credit is good. I have paid for two houses and now paying for another plus I have paid off multiple trucks and almost have another one paid off. Also, I have a RV XXXX XXXX XXXX camper. All because of discrimination against another person that I signed with to help him build his credit they denied him ; and the next day I personally applied just for myself. I was denied. The bank loan officer had to get permission from a XXXX man manager before she would even talk to us. Then when my wife was going to put her mother 's dividends in my account he was very rude. She told them that she was her mother 's estate. Her mother has been passed away for 8 years. Everything went to my wife as she was the only child. The XXXX manager stood there looking at the checks as though they were counterfeit. He also was listening to the conversation and he did look at my wife. After a harsh discussion they finally accepted the money for deposit. The manager is very unprofessional and very rude. After talking to someone in Washington DC we were advise to give this a second chance. So my wife call the manager who is responsible for what goes on in his bank. He was very rude to her and hung up the phone during the conversation. That is a XXXX man discriminating against a white woman. There will be consequences to pay for this unprofessional and rude behavior. DISCRIMINATION!!!
Product: Money transfer, virtual currency, or money service

Regarding AfterPay services. I have used their service a few times to purchase items at XXXX. They pay upfront and set up a XXXX payment agreement you pay every XXXX weeks. Upon returning items to the merchant and reaching out to Afterpay because the refund was not processed and therefore not deducted from my account, I paid for items I no longer had. I reached out to both the merchant, and after pay to resolve the matter several times. I provided the proof they requested, and it wasnt until recently that they attempted to resolve the matter. However, I am currently in another situation, where they will not refund my money and continue to charge me for items I no longer have an have returned to the merchant. They do not provide help, are not reachable by phone, only email and each time, its a new person responding to the email. Its a scam. 

The attachments I have provided are for the current case. Ive had issues with them since early XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX and I received the attached XXXX XXXXXXXX XXXX XXXX ( XXXX ) letter dated XX/XX/XXXX supplying documents they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not copy of contract that took XXXX more than two months to send in the mail. But perhaps XXXX is a 3rd world country because they treat the american citizens that way. I requested the permission used in XX/XX/XXXX to access my credit report to prove it was a fraudulent loan. Also received today is a Fraud letter requesting more of personal information in addition to my credit report that they didn't have any rights to access in XX/XX/XXXX. Perhaps XXXX is a 3rd world scam to collect more of american 's private information to steal. After 5 years of this, XXXX needs to be talked to like an uneducated 3rd world stealing country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I banked with XXXX XXXX XXXX XXXX and I had to file for XXXX  XXXX, XXXX was part of XXXX  XXXX. On XXXX. I was granted a discharge under section727 of title 11. I recently tried to refinance and my credit report show that the XXXX account is closed but that I owe them {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The XXXX XXXX XXXX. Sent in multiple disputes no knowledge of this account and noticed activity dates are different from XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all negative and derogatory remarks, late payments and incorrect information
Product: Vehicle loan or lease

Honda finance used car : XX/XX/2018, $ XXXX.XX/XX/2018 {$1200.00}, XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} ... i have spoke to American Honda finance on XX/XX/2018 and advised them that iam unable to make monthly payment on time as agreed because of iam unable to work as iam very ill from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and that I need an goodwill of being late with this account there said I'll notated the account and a goodwill attempt will be made on my behalf I have spoken to honda finance on XX/XX/XXXX and there are not helpful resolved this problem regarding that iam still making payment on this account please help me remove late payment from American Honda
Product: Student loan

XXXX  - Extension  XXXX  -  Resolution Specialist - Solutions Center  - Nelnet  XXXX  refused to provide any other information to better identity this encounter ; employee ID number, Last Name, Call or Reference number.      XXXX  stated, '' If you dispute these accounts in any way, it will hurt your credit score. " She referenced the F.C.R.A when making these claims.     This is outright false and was interpreted as a threat of action and an attempt to influence my decision for the benefit, and on behalf of Nelnet.      XXXX  was condescending in her answers and ultimately failed to provide answers to critical questions about my account. This is by far the opposite service one would expect from content knowledge experts on student loans and credit. She could not adequately explain how these accounts are reported on as well as the process or reasoning for the accounts ' closing and re-establishment.
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ATTN : TRANSUNION TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : 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 AND NAMES AND ADDRESSES 1M NOT FAMILIAR WITH THAT'S ATTACH TO POLICE REPORT- TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE THESE IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MA'AM. 
SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$290.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO. XXXX
Product: Debt collection

Credit Corp Solutions is in violation of a plethora of consumer credit statutes ( FDCPA to be specific ). They have harrassed me with different mediums of communication for awhile now. Pursuant to 15 usc 1692c, I have informed them in writing that I will not pay anything towards this alleged debt and that I wish for them to cease all future communication unless they are distributing remedy to me.
Product: Credit card

I have photos of all these scam charges in my heart I wanted to believe this was true but as soon as I realized I reported to PayPal right away. First they claimed I got half of the money back which was XXXX but then they told me yesterday it was redebited I have an old statement. With this credit balance but every time I called I have heard different stories all lies. I think they are worse than the scammers who take advantage of people. Terrible feeling and horror for me but they dont care at all.the account number I gave you was the old account where the disputes were made but they were still scams. My heart is breaking and I am horrified. I dont know the new account number by heart. But I hope they dont give you stiries I got it seems like half the money but nothing was ever credited to my new account all I have is the statement I sent you I I screen shorted I hope all the charges some say refunded or cancelled but was never refunded anything not by transferring to the new account a paper check absolutely nothing I also have concerns for even the one statement here says what it says I never had any of this back in my possession then they said the dispute did not go in my favor Im crying for if you look at all the XXXX  is more like over XXXX something. I just cant walk away from this. Also it seems strange they could not transfer the money they said I got back but means nothing since I never had it. I also think they are scamming me as bad as the scammers we cant let this test for it is too much money. Scammers are going to jail forever and they need to be but I need my money first. But when you contact the old account number is what you have .. they said it was closed but I dont believe that for how could you add or minus money from a account that doesnt exist. But according to the PayPal credit statement it says a credit of XXXX went into the account that was closed. Unless this statement was from the scammers but after the 5 bad charges according to that statement came off it says negative. This is all too crazy I can not talk to them anymore for it is always more lies and phony information
Product: Debt collection

This debt has been sold to another company. The age of these debts is over 7 years old and they kept selling it to come back at me. What can I do to protect my credit score when they keep hitting with a new company? RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC aka XXXX has been hounding me for years they sold to RMP, LLC and now hitting my credit. What is there to do to protect me from this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter from XXXX the data furnisher that provided Transunion with inaccurate alleged bankruptcy information. No Power of Attorney, US Bankruptcy Court or any other entity with an original notarized signed proof of alleged bankruptcy and proof of identity has been provided by XXXX, XXXX, Transunion or any other person/entity of who can testify under oath that an alleged bankruptcy occurred. 

Tranunion has violated my rights under FCRA, CFPB, FTC. Any inaccurate information that can not be obtained and verified or proven by law with the truth have to be removed from my credit file. Transunion has not re-investigated the alleged bankruptcy. Transunion has made false allegations and has not mailed me at my request proof of the alleged bankruptcy. FCRA suppose to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.
Product: Credit reporting or other personal consumer reports

In 2021 my credit report was garnished by a situation that was communicated in transparency with my bank. As I was a victim of identity theft, I began working with a company that I contracted with on Indeed.com and began to work and RECIEVE paychecks, which I deposited likewise, into my account at that time. Apparently the checks that I had received in good faith, as a worker, and consumer in commerce, had been rejected, all around the same time. Even though they all were not deposited or processed at the same time. This inturn took every single XXXX out of my account. And then took more than that. My account was then put in the negatives as now a balanace of over {$8400.00} from this scheme that I became a victim of. I was very transparent about my situation, my transactions, and my account. As a result of this identity theft which should have been covered by my bank XXXX XXXX XXXX at the time because they are insured by the XXXX, they have federal insurance on and I quote, For Deposit accounts held with XXXX XXXX XXXX are federally insured by the XXXX XXXX XXXX XXXX XXXX XXXX ( NCUSIF ), an arm of the XXXX XXXX XXXX XXXX ( XXXX ), an independent agency of the United States government. Which is also, federally insured to at least {$250000.00} and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. 

I have been having consistent adverse action due to this incident, my credit report has been garnished, consistent suffering in the fact that all creditors are refusing to work with me due to a situation WHEREAS I WAS TAKEN ADVANTAGE OF. 
According to ChexSystems, the amount has also been charged-off by the original company and they continue to report negative unpaid information for funds taken out of my account. XXXX XXXX XXXX closed my account after being in good standing in my account for years. I had even had a Refinance Loan that I had through them that I also never defaulted on or anything all 2-3 years. Just maybe a late payment or two. I am outraged, I was being taken advantage of and continue to be taken advantage of by this company that TREATED ME EXTREMELY UNFAIRLY. They didnt even care that it wasnt my fault and that I was just a victim as they were. If not more so, because they took everything I had. And then XXXX more to total to that XXXX, which is charged-off according to ChexSystems and being disputed for the exact reasons above. I should be protected as a consumer, and a debtor.
Product: Credit reporting or other personal consumer reports

Made me pay my money upfront and then told me to pay monthly and nothing never happened with my credit that was suppose to get repaired