23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I disputed a {$560.00} charge made on my Chase credit card ending in XXXX for XXXX ( a weight loss clinic in XXXX ) on XX/XX/2020. On XX/XX/2020, less than 24 hours, I returned all unopened supplements in person. The lady at the front desk only agreed to accept the returned items because she inspected them and confirmed no tampering was made. I was told the owner would contact me to the refund. I have attended no classes and the returned items have been in XXXX possession as on XX/XX/2020. The owner stated they have a no refund policy and they can not accept returned products ( although they have accepted mine ). However, the credit card dispute I filed with Chase bank was closed in XXXX favor because Chase demanded I submit a return receipt as proof. XXXX falsely claimed they did not have any of the returned items, so no refund would be made. When I provided both emails and voicemails as proof from the company stating they were indeed in possession, Chase stated a return receipt was the only proof they would accept to continue the dispute. The company perjured themselves in their official statement, but Chase would not investigate any further. They sided with XXXX. I have incurred a financial loss of {$560.00} and have received no service or product for the initial purchase made on XX/XX/2020. 

After reviewing comments on the XXXX XXXX XXXX and XXXX Consumer websites, it is clear this company is defrauding the public due to the following : - Advertising is misleading ( customers always pay more than advertised costs ) - Supplements given are not FDA approved and customers have no access to review ingredients with their primary care doctor, until they sign up for the program. 
- Staff is dressed in medical scrubs, taking medical information ( pulse, heartbeat, and medical history, etc ), but are none are licensed medical professionals. ( Violation to the public : None of your medical information is protected by HIPAA because they are not medical professionals ). 
- There is no signage posted about not being medically licensed to give healthcare advice, not is there prominent posting about their no refunds policy. 

Chase bank did not do due diligence regarding my charge dispute. Ive never had a company state that one a specific document ( return receipt ) is accepted as proof when you have documentation via email & actual voicemails left by the company admitting they committed perjury. Its as if Chase didnt want to protect the consumer given all the evidence against the company.
Product: Debt collection

According to the FCRA account the account named, NATIONAL CREDIT SYSTEMS has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for. 


NATIONAL CREDIT SYSTEMS ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Student loan

I had a student loan debt in the amount of {$2500.00} give or take a few. XX/XX/XXXX I paid over {$8000.00} to take care of that debt and am still paying now - just recently I was sent to XXXX to pay the last {$800.00}. I received a XXXX for showing XX/XX/XXXX a total of {$3.00} was paid as interest on my student loans. I have called several times requesting a SOPA letter have been transferred back and forth between all XXXX companies above all claiming " the loan is no longer with us - is purged we can not see the information '' and " you need to contact this additional number to request that '' only to be told to go back to the other for the SOPA letter. With the exception of XXXX whom only says we know nothing other than the {$800.00} we just took over. Which is where the {$3.00} of interest came from. 
I was also told that once I made those payment to XXXX for XXXX months and it was picked up by a lender ( XXXX ) that all delinquencies would be removed from my credit which is the only reason I agreed to go thru with the program ... not that I had a choice they took {$5500.00} tax return last year which by my calculations should have more than paid it off. I paid that {$5500.00} in XX/XX/XXXX and since XX/XX/XXXX have paid {$56.00} a month and now continue to make payments and of the original XXXX loans totalling {$2500.00} now show XXXX loans on my credit report all XXXX show delinquencies and only say " paid as agreed '' I have asked what their rates are no one seems to know all these agencies ( XXXX, XXXX, XXXX - XXXX XXXX ) just keep sending me to each other getting lost in the shuffle of voice systems that never lend to my issue ( inactive/paid loans ) and reaching customer service can be time consuming and difficult - when I do they never help or have an answer. XX/XX/XXXX I tried to make whole on these small loans - was told this program was only thing I could do to " save '' my credit - that appears to have been completely false. 
I never received pre claims assistance - I was lied to about how to make whole on this account- I have paid well over XXXX times the debt amount and still paying. I have no idea what is interest or fees. I have incurred more debts trying to pay these debts that just keep burying me deeper - this whole process is predatory and theft. UPDATE XX/XX/XXXX I received the total amount of interest paid was {$36.00} that seems way out of sequence on the over {$7000.00} I paid this year alone on a total {$2500.00} debt.
Product: Money transfer, virtual currency, or money service

yesterday XX/XX/19 i saw an add on XXXX XXXX for a onewheel skateboard that had been posted. the seller and i agreed on purchase price with shipping but said he needed to use XXXX to process payment. He called from number XXXX, had me also use a number or XXXX and also when searching these numbers to make a police report and figure out where to call XXXX mentioned outside US contact numbers similar to one i got today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX email was XXXX the bank states they are responsible due to " laws/acts '' " whatever '' I am floored beyond belief and not in a place of course like everyone to be scammed out money. Please advise. 

Thank you, XXXX XXXX
Product: Student loan

Hello I told them they were reporting inaccurate information and to delete because its illegal to report inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called Transunion, XXXX, and XXXX  to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I procrastinated for a few months and fast forward to XXXX I filed a FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.
Product: Credit card

I paid off my PayPal Mastercard. The company took the money out of my XXXX  account. The company did not use the money to credit my account. The company continues to decline my purchases. The company says it is holding my money while not providing the escrow account. I am now unable to use the card, and the money is no longer in my banking account.
Product: Debt collection

PayPal keeps sending me debt collection attempt emails and I believe Im the victim of fraud or and someone using my social security number because I never had PayPal nor owe anything to them. I would also get many phone calls threatening me and claiming to put me in jail ... very scary and Im really clueless as to what to do until a friend told me to file a complaint through here. XX/XX/2019 is what I see showing up on my credit reports and this is not right. Please help me this is definitely not valid
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report. These accounts were previously disputed and subsequently removed due to their fraudulent nature. Their reinsta tement without proper investigation and certification violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information.

The credit bureau notifies the consumer within 5 business days of the reinsertion. 
As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts. 
Request for Immediate Action I request the following actions be taken within 5 days of receipt of this letter : Removal of the fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED SOME ACCOUNTS THAT DO NOT BELONG TO ME, I HAD THEM REMOVED BY XXXX AND EQUIFAX BUT XXXX WONT DELETE IT AND EVERY TIME I DISPUTE THEY SEND A LETTER SAYING THEY WONT DISPUTE AGAIN, I WANT THESE ACCOUNTS DELETED FROM CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX credit reports after I disputed the account which showed up on my XXXX credit report several months ago as well, so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX and XXXX XXXX reports tied to my name and social security number. 

The information for this account listed on my credit report is : CREDITOR : CITICARDS CBNA, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : CITI, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Product: Credit reporting or other personal consumer reports

EXPERIAN AND XXXX REFUSE TO SEND ME THE INFORMATION THE COMPANY USE TO INVESTIGATE MY DISPUTE. THE XXXX AND XXXX SENT A COPY OF THE THE DEIT COMPANY 'S INFORMATION. I CONTACTED THE COMPANY WHICH IS PORTFOLIO RECOVERY COMPANY THEY SEND ME COPY OF THE INFORMATION. THAT SHOWS I WAS CORRECT ALL ALONG. EXPERIAN AND XXXX WAS WRONG.
Product: Credit card or prepaid card

Citi Bank to dispute a charge for a purchase of XXXX and insurance to cover my purchase XXXXXXXX {$2400.00} Insurance {$190.00} In XX/XX/XXXX I bought from XXXX XXXX XXXX fro {$2400.00} and insurance to protect my XXXX XXXX For {$190.00} I never receive my purchase, due to multiple no show I cancelled my purchase with XXXX manager and supervisor. They told me that {$190.00}. Will be put back on my card right away and {$2400.00} in 10 business day. Both manager and supervisor told me that they understand why I am cancelling. XXXX were back on my card. But the price for the XXXXXXXX OF {$2400.00} Never was returned. I called my credit card company and they said that they will file dispute. In XXXX {$190.00} and {$2400.00} was recharge back to my card. Which brought me over limit of my credit and dropped down my fiscal score, and brought me burden. I am still not having my refund from XXXX.Citi XXXX card is customer service is been difficult and uncooperative to have my money back from XXXX. They charge the balance back on my care with any notice. They claim that they sent me a letter and email that I never received. They stated that I have send them back the letter. He toke me all day and call to multiple supervisors rude and polite such : ON XX/XX/XXXX XXXX ID : XXXX AND her supervisor very rude XXXX XXXX. Called later that day XXXX XXXX. XXXX finally helped but he transfer me to XXXX XXXX. She stated that she can't help and transfer me dispute department manager XXXX in XXXX   wasn't available but did called me back. found that none of their letter wasn't get to me. XXXX helped to have the letter that I File and faxed same dayXX/XX/XXXX. On XX/XX/XXXX I received an email requesting the letter I faxed it again and email it. on XX/XX/XXXX I recieved another email requesting same letter that I faxed again and email it. Today I receive another request. 

Citi Bank kept telling me that they didnt receive the form I sent back by emails 6 times and fax 4 times until I contacted XXXX and provided the proof all my emails and faxes. 

Today XX/XX/XXXXI called to follow up on my dispute and XXXX in XXXX ID XXXX Stated that because they didnt received the form before XXXX XXXX. They no longer can dispute the charges.
Product: Mortgage

I was currently almost 18 months behind on my mortgage, receiving forbearance during various portions of that time period. When the pandemic hit, and the mortgage assistance programs were established by the government, we took advantage of that and remained on it while I was unemployed for the maximum amount allowable months to receive that assistance program. Now Wells Fargo is telling me I owe lump sump for those payments, totaling almost {$38000.00}. I am trying to go through a mortgage assistance program with them and be considered for loan modification, but don't feel as though the months covered under the pandemic relief program to protect home owners should now be thrown back in my face as if it were months I missed paying. I'd like to be considered for loan modification to start making payments again now that I am employed full time again, but feel like the XXXX  months I was behind should be what we operate off of. I am not completely well versed in the terms of the pandemic relief mortgage protection program we took advantage of, but feel like those months should be rolled to the back of the loan since the technical reason for not paying my mortgage was because I was protected by a government pandemic relief forbearance program. I am ready to resume making mortgage payments again, but wish to be treated fairly and not have the fact that I took advantage of an offered program during a hardship now be held against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Consumer Reporting Agency has damaged my reputation by furnishing incorrect and private information on my consumer report without my consent. Congress makes it clear, pursuant to 15 U.S. Code 1681 ( a ) ( 3 ) that Equifax has assumed this role in the evaluating the credit worthiness, all without my prior consent. Reporting my private information without my consent is in violation of federal law. Equifax is also in violation of 15 U.S. Code 1681 ( a ) ( 4 ), as they are NOT exercising your grave responsibility with fairness, impartiality, or a respect to the consumer 's privacy. The report is unfair, partial and not respectful in any way to my privacy. Furthermore, I never instructed Equifax to furnish or create this report. This places Equifax in violation of 15 U.S. Code 1681b ( 2 ) as they never received written instructions from me, the consumer, nor did I ever consent to the report in the first place.
Product: Debt collection

My husband and I are in the process of purchasing a home and refinancing a car loan. As I was the credit union to complete the refinance paperwork the loan officer asked me about a recent credit collection that posted to my account. I told her I had no knowledge of it and she gave me the information to contact Portfolio Recovery Associates who just reported a debt I admit I owe from a XXXX XXXX credit card. The issue is not about the debt the issue is the fact they did not notify me of my right to dispute within 30 days as I would 've called them immediately to take care of this because I do not need this kind of blemish on my credit. I spoke to XXXX XXXX to set-up arrangement and she began to verify my information and admitted they sent the dispute letter for this collection in XXXX to the wrong address I then asked so what happens after I pay in full will this be deleted from my credit reports. SHe told me no they do not delete and I have a problem with this because its easy to report so it should be easy to delete after paid especially since I was never legally notified. I was then escalated to XXXX who said the same thing then she asked me if XXXX XXXX notify me when they sold the debt to them in XXXX 2016 and I said no its not even about XXXX XXXX its about Portfolio informing me and I was not informed of this debt being sent to collection or given the chance to make arrangements prior to them doing so. I called back and spoke to XXXX and she said the same thing its policy that they do n't delete and I said even if I did n't get the notice because you sent it to the wrong address. She said its not their fault that it went to the wrong address her exact words. So I told her that I would be filing a complaint. I set up arrangements for this account to be paid on XXXX/XXXX/2016 all I want for them to do is delete it after it is paid because they are total violation of my consumer rights. they said they update the credit bureaus 10 days after payment that account is paid in full. Not happy about this. If the consumer is willing to pay as I never denied debt which they continued to harp upon it still does n't change the fact they acknowledged letter was sent to wrong address.