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

I purchased food products from the company XXXXXX/XX/XXXXon XX/XX/2020 and received the order on XX/XX/2020 ( five separate shipping boxes ). Upon opening the packages I noticed the food packaging had not been sealed properly with food scattered throughout the boxes. My first attempt to resolve this issue was on XX/XX/2020 and all future attempts to communicate with the business have not received a single response to me, I have attempted to email and call the company in question on multiple occasions. On XX/XX/2020, I opened a dispute with my credit card company ( the card I used to purchase said food products ) since they failed to honor their 365 day return policy, I also informed XX/XX/XXXX via email that I would be escalating this since I still had not received any contact from the company. 

Citi bank also refuses to refund me due to : " We have reviewed the information you provided regarding your dispute. We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. Our investigation remains closed. '' I have even attempted to resolve this through the XX/XX/XXXXand have received yet again zero response from XX/XX/XXXX, they are clearly scamming their customers. 

Citi has a legal obligation to protect consumers against fraudulent companies and is unwilling to credit me a total of {$800.00} for the defective merchandise. XX/XX/XXXX XX/XX/XXXX needs to be investigated for failing to adhere to consumer laws and FDA guidelines due to improper packaging and not resolving disputes properly. Citi also needs to refund these charges immediately since this process has already taken nearly three months now.
Product: Debt collection

I never received a letter from Transworld Systems indicating they have collection on me, I tried sending a fax but they claim they didn't receive it
Product: Money transfer, virtual currency, or money service

I transferred money by mistake to my closed chase account in XXXX. I called chase many times since XXXX trying to get my money back. I was told many different things by chase representative. First they told me that my money will bounce back to the initial account, where it came from because my chase account is closed. I called my other back XXXX  and asked if they received the money. XXXX  said they do not have the money. I called chase and told them XXXX  said no money bounced back. Chase kept insisting that my money went back to XXXX. I called chase again and again throughout the month of XXXX. Once Im told the money went back, next week i was told theyre disputing the transferred money I sent. I spoke to many different people at chase customer service and every time I called they told me theyre either disputing it now or it was disputed or it got bounced back. 
About 2 weeks ago I spoke to another individual at chase and he told me my money was sent to me by mail as a cheque after deducting {$42.00} because my old account had a negative balance. I told the representative I did not receive any cheque and what should I do to cancel the cheque. He told me to go to the bank in person and ask them to cancel the check. Today, XX/XX/XXXX, I went to chase bank and the people at the branch told me they cant help me because the branch did not issue the cheque and I have to call customer service. I called customer service and after I explained the situation and told them Im at the bank, they put me on hold for about 30 minutes, after collecting all my information. I never got any help Later the bank gave me another number to call. I left the bank and called the number for help. This time the representative told me I have to go back to the bank and have them call a number. She gave me the number and it was the same number the branch gave me and told me to call for help. 
Im not receiving any help from chase to get my money back.
Product: Debt collection

This is not my debt, as shown from UCC 11 attached below
Product: Credit card or prepaid card

My account was closed without any notice, I went to use my card with a XXXX   balance and was informed it was closed. I called customer service to find out why and was told a letter is on the way to me and the account was closed based off of the information provided by XXXX. I looked at my XXXX   report and my score has increased over 70 points in the last 2 months - no collections as of XX/XX/18 and not negative marks. How is that good information reason to close my account? I am trying to purchase a house and was told not to close any accounts as that will impact my credit. Closing my XXXX XXXX account is in retaliation from Synchrony from my filling a complaint in XXXX asking for my lowered credit limits to be increased. How is it that my credit improves and then my account is closed. I paid all but 1 Synchrony account down to a XXXX balance and then they close the account based off of bad credit details provided by XXXX. My score is higher with XXXX now that it has been in the last year or so - so I do not understand. Why was my account closed and was the information valid from XXXX?
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in the XXXX data breach. Upon reviewing my credit reports I notice many accounts and inquiries that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of proof that my information was impacted during the XXXX data breach, and a validation of debt letter. If this debt can not be validated, please block and remove it immediately. Remember, verification is NOT validation.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires the removal of inaccurate accounts from my credit report. Can you please check the documents? There are discrepancies in the reporting, amounts, and dates for some of the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a secondary owner of vehicle financed through the company. Shortly after financing I was XXXX  years of age. The co signer and First owner returned vehicle to loan company due to court order being in affect. Child custody order. Co signer and first owner returned vehicle due to having to turn it over during court of child custody. I called loan company and asked if can get possession of vehicle and continue to make payments. Loan officer advised me I could do that but if custody battle was hostile co signer did not have to turn vehicle over to me and could still possess title. Vehicle was never mine. Was only signed on loan to help build credit as I was starting out. I tried to take ownership of vehicle to keep credit in good standing. Loan officer advised me co signer would still get possession of title and vehicle if I made the payments throughout the loan. Was advised to appear in court to have my name removed from vehicle. Never received court date nor documents on when to attend. Would like this debt removed from my credit considering it has been several years. I have filed disputes and can not get the vehicle removed from credit report.
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 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 an 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: Bank account or service

the bank took without our or my wife 's authorization her paycheck and deposited it into the wrong account ending in XXXX when with her work we changed the direct deposit weeks ago and then the back took their own initiative to deposit into that account XXXX ( which by the way should have been closed on XXXX XXXX, 2016 per my request with a phone agent @ Suntrust Bank ). The bank should have deposited her entire check into the account ending in XXXX per my wife 's request through her work and by contacting the bank. Furthermore there are charges which the bank should have honored in the account ending in XXXX before close of {$300.00} for att and {$1600.00} and change for XXXX XXXX and for XXXX of {$370.00} and for XXXX for {$68.00} none of these charges were honored per the bank and I was n't given any indication of why which is all of these are violations of Regulation Z, Regulation E, and TILA- Truth in Lending Act and the bank needs to do the right thing and abide by the law. All of these denied transactions were charged bank NSF fees of {$36.00} even though the bank did n't pay the charges, and i find this aggregous and unlawful.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> the following request was made. 

I am writing to request validation of the debt referenced above as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for you to provide the information necessary for me to verify the legitimacy of this alleged debt.

Please provide the following : 1. Proof of ownership of the debt, including the original creditors name, and address.

2. A copy of the original signed contract or agreement showing my liability.

3. An itemized statement of the debt, including the amount owed, interest, fees, and how it was calculated.

4. Copies of all correspondence sent to me regarding this debt.

5. Evidence that you are legally authorized to collect this debt in my state. 
Additionally, I have noticed discrepancies in the personal information associated with this account. I ask that you verify the accuracy of all information reported to the credit bureaus and provide documentation to support it. 
While this account is under review, please cease all collection activities, including reporting to the credit bureaus, until this matter is resolved. 
I look forward to receiving the requested documentation within 30 days. If you are unable to provide this information, I respectfully request that you remove the debt from my credit report and cease further contact regarding this matter. 
Thank you for your prompt attention to this matter. I am willing to cooperate once validation of the debt has been provided. You may contact me in writing at the address listed above.
Product: Bank account or service

I wanted to downgrade my citibank checking account to one that is not charged a monthly fee. However, the promotion miles that I had earned from opening the account had not posted yet. I delayed the account change so the missing miles could be applied to my account. Each month I called back to check on it, but the miles still had n't been applied. I keep receiving fees because I ca n't change my account. I ca n't change my account because I do n't want to give up the XXXX XXXX XXXX miles that I earned. An official inquiry was made as to why my miles were n't posting. The letter explaining the results of that inquiry stated that there was not an XXXX offered with the opening of my account. That is not true. I opened the account using a promotion code which qualified me for XXXX AA miles. I called new account services to investigate for myself what had been recorded during my original application pull. The XXXX that I was talking to verified that I had indeed used the correct promo code for the miles and that they should have been applied to my account. When pressed further about the situation this same rep told me that citibank did n't have enough miles to award all the people that took advantage of the promotion because too many people had applied using the code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical data systems has attached their company to my credit report. I do not have knowledge of this company nor do I have a debt with this company. I do not have a contract with this company. I have requested multiple times that this company provide myself with a copy of a signed contract, and a copy of my drivers license. I have requested and never received this request. nor my debt validation request.The credit Bureaus continually allows Medical Data Systems to keep this bogus on my report without providing me with my validation request. During the time of this alleged debt, it would not be applicable to me anyway. Due to the fact that I was impacted by a Natural Disaster during the dates the company have attached to my credit report. Medical data systems has also illegally placed a lien on my home. I have no contract or debt with this company! Medical data systems has a history of attaching themselves to peoples credit report and ruining their credit all while knowing that these debts are not valid. Please immediately remove this off my credit report. Also Please provide the validation proof I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account number- XXXX Open date- XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account number-XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX XXXX- Inquiry dateXXXX XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX- inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX XXXX XXXX- Inquiry date- XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXXXXXX XXXX
Product: Debt collection

FDCPA VIOLATIONS - REFERRED BY FTC SN SERVICING XXXX XXXX XXXX IS CONTACT XXXX FDCPA violations since servicing loan that it did not originate and the loan was in default at the time servicing is received, hence SN Servicing is a debt collector. 

2 ) SN Servicing added in debt that was written off by prior owner. XXXX. 

May not use unfair or unconscionable means to collect or attempt to collect a debt. 
Collect any interest, fee, charge, or expense incidental to the principal obligation unless authorized by the original debt agreement or is otherwise permitted by law. Use any False, Deceptive or Misleading Representations to the court, and to their client, the investor, on history of the debt. 

3 ) Forced Place Insurance was imposed without notice. They sent notice to address they knew was incorrect. 

4 ) DENIED Covid Forbearance based on original of debt from 2008 default? And ignored our many covid related losses. 

5 ) ACTION - Threaten to take any action that is not legal or intended, constant threats of litigation if we applied for COVID 19 forbearance. 

6 ) ESCROW / PROPERTY TAXES - trail mod contract explicitly states the we pay them escrow for property taxes, which we do and did, and they apparently stopped paying property taxes last year, despite their constant legal threats to sell home, and their actions in court to sell it, which were deemed illegal and cancelled.

7 ) SN SERVICING TOLD US THEY DO NOT HAVE THE POOL SERVICING AGREEMENT FOR OUR DEBT, NOR DO THEY HAVE THE ORIGINAL DOCUMENTS
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX After your investigation the account still is reporting late for XXXX & XX/XX/year>. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XXXX & XX/XX/year>. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting
Product: Debt collection

In 2022 a person by the name of XXXX XXXX used my social security number without my knowledge in order to get XXXX XXXX to open an account at XXXX XXXX XXXX XXXX TX. She did not pay her bill and owes {$380.00} according to XXXX XXXX XXXX debt collection services. After verifying that the account is indeed fraudulent with XXXX XXXX and XXXX XXXX XXXX, Experian has refused to remove the address of this person and has refused to remove the debt. I have submitted police reports from XXXX XXXX here in Texas which are available via public record. I have submitted the Consumer Financial Protection Bureau case with XXXX XXXX XXXX. I also submitted an email via XXXX XXXX XXXX confirming that this is indeed fraud and should be removed from my account. Experian has replied that my police report doesn't look valid even though it has come directly from the XXXX XXXX Sherriff 's department and will not acknowledge that XXXX XXXX XXXX has stated that the debt is fraudulent and not mine. I have spoken with numerous people from the fraud department to remove the debt and after following all of the requested protocol, the debt and fraudulent address. I have done everything that has been asked of me and have more than proven my residence and identity. I need the fraudulent debt to be removed as I have requested, XXXX XXXX XXXX has requested, and XXXX XXXX has requested. Thank you!
Product: Bank account or service

I have checking account in Wells Fargo Bank. My prospective tenant living overseas mailed me Cashier 's check also drawn on Wells Fargo Bank. The copy of will be attached later.The money was meant for Holding deposit/Security Deposit and First month rent and Utilities.The total amount he sent me was $ XXXX.Check arrived to me via priority mail. I deposited in my Wells Fargo Account. It took them 18 hours to clear the check and bank told me funds are available for my use. Then after another 15 hours bank send me email stating my check has been returned for lack of funds. As such I was shocked and puzzled when the check that was drawn also on Wells Fargo Bank is bad check. 
At this time point I see not only Wells Fargo has already bad reputation publicly but my incident adds to more of the same. They say it is Scam then that means Scammer and Wells Fargo are in Collusion to carry such criminal acts. With the result I lost business because I had already taken AD off the market. Since I had promised this Gentleman I will reserve room from him before his arrival so I could not rent anybody else. ;
Product: Checking or savings account

Current bank has held my recently transferred funds for 14 days and has not responded to any of my emails. They refuse to respond, refund, or release my transfered fund, which were used to transfer to a different account due to issues with my bank. I have provided all necessary documentation and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX issued a new card and I always insist all cards on autopay. Alerts were not forwarded to my phone as with other cards. My XXXX XXXX XXXX debit card was wrongfully closed by an associate and I was not informed during phone calls to XXXX and other regular charges through XXXX of issues with my card, I shopped unaware of the problems XXXX XXXX services did not ever send alerts. 
A bank associate closed my debit account causing me to physically be unable to bank. I was sick a lot of the time and did not open the mail. An alert from Experian, not XXXX, not XXXX caused me to look closer and discover the XXXX account hadn't been auto-paid and I couldn't physically bank for a small period of time. 
A few accounts were affected and all my perfect rating was affected unintentionally. XXXX promised to help if I submitted proof and then backed away from it. I asked to have the phone calls listened to for proof of the lack of information and failure to have one payment processed as I requested. I asked for one payment to process which was not done. This inadvertent mistake caused ripples across the bureaus and other creditors shunned and deemed me delinquent as one of XXXX  or more payments came in late. I never saw such an unfair form to penalize a consumer. XXXX XXXX XXXXXXXX gave me screenshots of all the documentation they provided as I complained of the problems caused on several accounts, some just billed me a processing fee, others never filed against me and XXXX is the only unforgiving company and on this unfortunate error compounded by Covid sickness and bank associate error. Please look at the fine print of the documents attached as XXXX XXXX XXXX asked me to submit them in order to possibly forgive the undetected, unalerted, unwilling error.