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

On XX/XX/XXXX, I purchased two {$500.00} visa gift card from XXXX, and give them to my husband. On XX/XX/XXXX, when he tried to use one of the card, he found that was no enough banlance, and when he checked it online, found there is only {$4.00} in the card. We called the gift card customer service, they asked us to submit a dispute form. We did that, after a few days, they sent us a replaced card, there is still only {$4.00} in the card. They also closed the old gift card at once, when I tried to check the status of the old card, the page shows error. 
On XX/XX/XXXX, still no update. We called the gift card customer service again, they said they closed our case because they sent us a mail and need more document but we didnt give, but we never received such a mail! They need us to show the original purchase proof, but after 2 months, I cant find the receipt. So we submitted the new dispute form and the bank statement and the transaction details to them, they agreed to take a look and asked we called them later to check. Yesterday, we called them again, they refused to reopen the case and said they will not give us the refund for the {$490.00}. They asked me to contact the XXXX to get the receipt, and when I arrived the XXXX, they told me only the manager may help me to find the receipt, but the manager is not there. They asked me to left my information, and he/she will contact me later. No response. I paid {$500.00} ( {$500.00} for the card, XXXX for the card processing fee ) for the card but only get {$4.00}. I called them several times, they agreed to give me a solution but now they refuse to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX or so was taken from me and now I owe them that? When I had nothing to do with this scam
Product: Credit card

I have had care credit for 9 years. {$10000.00} credit limit. Never missed a payment or payment issues nor has my credit score changed. On XX/XX/2024 they closed my credit account and block me access to my account. And Ive not received any information from them. I found out when I was made aware by credit bureau. I called them and all they say is account closed.
Product: Debt collection

I received calls and letters stating I owe a debt. attached is my letter of response. Attached is every thing and verifying my information.
Product: Credit card or prepaid card

I bought a Washer/Dryer from XXXX XXXX XXXX on XX/XX/2019. Once day later it was delivered, when I connected it to do laundry it was completely dead and non-working. 
I went back to the store one day later to return it and get my money back. I spoke to the manager, he told me he will come right back then he went into the back of the store and never returned even until the store closing hours. I was there for two hours then a staff of the store bullied me out of the store, told me they will not issue any refund and in his own words " it is what it is ". That experience was demoralizing, I was sold a Dead on arrival, non working unit and they are refusing to accept the return and give me a refund. 
I disputed this charge with my credit card company which is US Bank National Association .The representative on the phone at first told me that It s OK and I m not responsible for this purchase, it will be disputed and I ll get credit back. Then 3 months passed and I received a text message from US Bank stating that they are nearing the end of the dispute process .After a couple of days of I received a letter from US Bank stating that they are reversing the credit and closing the dispute in favor of the merchant. The reasons that they stated was the limited Cancellation/return policy of the merchant and the partial credits I received from the Merchant. Both those reasons are completely bogus and invalid .Those credit ( s ) that US Bank is referring to are refunds for two hoses, an exhaust ( accessories I purchased with the washer/dryer ) which I later returned to them and are COMPLETELY unrelated to the dispute matter. They are completely separate from the dead, non-working washer/dryer which was on the same order/transaction. And in regarding to the limited cancellation/return policy I was sold a non-working unit described to me as NEW-OPENED BOX which confirms that the unit must be in working condition, their policy regarding this described condition is that the unit must be in a working condition but cosmetic issues like small dents/scratches may be present, the one that got delivered to me by XXXX XXXX XXXX XXXX was DOA ( dead on arrival ), A completely non-working unit, the issue with the unit is not cosmetic ; IT IS A COMPLETE DEAD UNIT and I have video proof ( I had sent everything and all the evidence to US Bank ). 
What happened to me happened to countless people dealing with this XXXX store, you can find experiences and reviews in XXXX, XXXX, XXXX ... 
So as you can se

e US Bank stated bogus and invalid reasons to deny my dispute. My money is being stolen and US bank i
s an accomplice.

What US Bank is doing is illegal and they should give my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently checking my Transunion credit report and I found numerous credit inquiries I have no knowledge of here are the inquiries that I've found. 

XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting if charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts and previous accounts transactions.
Product: Debt collection

JUST RECENTLY MACDOWELL & ASSOCIATES ( ON BEHALF XXXX XXXX XXXX ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE. 

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.
Product: Debt collection

I just received a " Settlement Offer '' from a collection company which I never had any contact with them on an unknown debt in the amount of {$55000.00}. 
I have asked them to show me some documents if they think this is my debt but have got nothing, no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple times to dispute Fraudulent information oN my reports. Equifax and XXXX  has customer service thats overseas and the workers barely understand English Ive been hung up on for lack of them understanding English. Ive contacted the company thats on my report and they says that theres no accounts listed in my name with them so why is it being reported on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i am not employed with XXXX XXXX XXXX. I do not even live in Michigan. I would like that to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to resolve these stolen accounts on several occasions with no feedback I have collections on all bureaus that are inaccurate there is an issue with a misconstrued name I believe I've never had anything in my name either than a student loan please assist me in the removal of the fraudulent items thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  pulled my  XXXX  credit report twice on  XX/XX/XXXX and  XX/XX/XXXX , and my Experian credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after  XXXX   XXXX  pulled my report for these unauthorized credit applications. The company does not seem to care that the y may have been a player in helping identity thieves gain extensive kno wledge of my accounts.  <P/> I have sent a letter and made multiple call s (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and yet they continue to  1 ) list the inquiries on my report ; and 2 ) fail to provide i  nformation on the fraudulent inquiries. The former hurts my credit score and ability to receive futu re credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   remain stubbo rn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>    XXXX   XXXX   mus t remove these inquiries from my   XXXX    and Experian reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX and account name 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. 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 noticed that there are lots of accounts on my credit I am not responsible for
Product: Mortgage

XX/XX/XXXX I had my property appraised. My certified appraisal revealed that due to the improvements I had made to my property that the value has increase substantially. I contacted my lender on XX/XX/XXXX to inquire about how to request the removal of my Private Mortgage Insurance premiums. I informed the lender about the recent appraisal. I was told to fax or mail a written request along with a copy of the appraisal to their escrow department. I complied and sent a formal written request for the cancellation of my PMI via fax on XX/XX/XXXX. I was told I would have a reply in 5 business days. After this time, on XX/XX/XXXX I called back to verify that my information was being processed. I was told that my information was never processed because I did n't have my mortgage number on the fax cover sheet. So on XX/XX/XXXX I resubmitted my written request via fax ( confirming the fax number ) and adding my mortgage number to the cover sheet and ensured that there was nothing else that I needed to add for the request. I also mailed a separate copy of my written request and copy of the appraisal to the address provided. On XX/XX/XXXX I called again to find out the status of my request. Once again I was told that my request had not been received or processed. The customer service representative then told me that it did n't matter anyway because I would not be allowed to cancel my PMI until XX/XX/XXXX regardless of my LTV or a subsequent appraisal if the appraisal was n't provided through my lender, despite the fact that I had a certified appraisal report. I was told XXXX separate things from XXXX different employees. My request was never acknowledged as received or reviewed. No notification was provided to me to indicate that more information needed to be obtained or that a lender requested appraisal was required.
Product: Debt collection

I paid XXXX XXXX I have bank statement to prove this I called bullcity collection and the guy I spoke with told me to pay him an additional {$270.00} plus tax and he will have it removed sounds like a scam and XXXXXXXX XXXX XXXX. Please have this removed from my account. I can provide the proof that will back me up. This account was paid to XXXX XXXX
Product: Mortgage

XXXX reported that XXXX XXXX XXXX XXXX ran credit checks on the following dates : XXXX XXXX, 2017 XXXX XXXX, 2017 ( twice ) XXXX XXXX, 2017 XXXX XXXX, 2017 I emailed them to cancelled the refinancing mortgage loan o X/XX/17. These items are significantly have lowered my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has me owing XXXX on an account that was opened by someone while i was in federal prison. Being in prison how can i have possibly opened an account if i had to funds and no way of paying knowing i would be in prison for more than 5 years, I sent paperwork proving i was in prison and they returned saying the information they have is accurate??? this can not be. I am trying to be a good citizen and start a new life and take control of my financials and they do not help me!
Product: Money transfer, virtual currency, or money service

In mid XXXX I got a few play cards from XXXX in XXXX Mississippi and they redeemed just fine and added to my balance but when I went to use my money I got an error code to fill out a form which I did over 30 times in the past month that they eventually told me that I redeemed an invalid card. I sent screenshots of all the play cards redemption codes and asked them which one was invalid. They stopped even getting back to me after I sent them all the proof. They convinced me to factory reset my phone and I lost a lot of data from my phone and I lost a lot of the screenshots. Still they just ignored me.
Product: Checking or savings account

I opened my checking accout with a promotion coupon ( To summary : can get {$350.00} if {$10000.00} deposit and maintain 90days ) on XX/XX/2017 but havent received the bonus after timeline passed. I contacted HSBC and they said I have to contact the branch where I opened at. 
I contacted the branch. They said I have a history of opening/closing a checking account before so I am not eligible to get the bonus. 

However, the banker checked the history and proceeded when I opened my account. The banker ( I can give the banker information if you need it. I didnt enclose due to personal information ) confirmed that HSBC has no record of my previous checking account history in their system after researching it. 

If the banker would informed that I was not eligible for the bonus when I tried to open a checking account, I wouldnt open and wouldnt maintain my money there over 6 months so far.
Product: Debt collection

This company refuses to clear up the misunderstanding about this debt. Never lived at the address that they're showing and people in XXXX know that the water department is a complete joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX  Credit Card on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.
Product: Checking or savings account

In writing, CITI Bank has closed my account and tells me the funds from my account will be released in 60 days ; however, on the phone, they stated that they will not be releasing my funds unless I travel to the nearest Citi Bank in person. The nearest Citi Bank is XXXX miles away, and I can not be expected to travel that far. especially when Citi Bank is withholding all my funds. Citi XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I first submitted my dispute on XX/XX/XXXX and, upon receiving notice that the original documents were of low quality, promptly provided additional supporting materials on XX/XX/XXXX. However, despite my timely actions, I have received no meaningful communication or resolution from your company. Instead, I was sent a letter falsely accusing me of employing a credit repair organization. As I clarified in my follow-up letter, I have personally handled all correspondence related to this matter, but despite this, I have yet to receive any response or resolution. 

This lack of action and oversight on your part has caused significant distress, and I am now left with serious concerns regarding your companys commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, credit reporting agencies are required to investigate disputes and provide a response within 30 days. Your failure to meet this obligation is a clear violation of the statute. 

Furthermore, I believe your actionsor lack thereofmay constitute a violation of the Massachusetts XXXX XXXX XXXX, XXXX. XXXX XXXX, which prohibits unfair and deceptive practices. The ongoing delays, contradictory responses, and failure to communicate effectively in clear XXXX have only compounded the issue. 

This lack of accountability has not only hindered my efforts to resolve the inaccuracies on my credit report but has also severely undermined my trust in your institutions integrity. I request that this matter be addressed immediately and that I receive a prompt, clear, and definitive response. 

I trust that you will take my concerns seriously and work towards a resolution in accordance with the law.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX It's on my credit report as high impact. When i called the company they said they don't have my name on their records, that is equifax mistake. But when i called equifax they said that is what has been reported to them. That i need to report to the FTC.gov for identity fraud and send them a copy and a letter in order for them to remove it on my credit report. I got my SSN # in XX/XX/XXXX, i don't know how someone could get a loan on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized inquiries on my credit report. Despite my initial inquiry and request for investigation, the unauthorized inquiries are still present on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX2022
Product: Credit reporting, credit repair services, or other personal consumer reports

For security reasons my credit report should not include my full account number. These companies has violated my privacy rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 learned that I am a victim of identity theft. My drivers license have been stolen. See attachment for my drivers license information. The last car I had was a XXXX XXXX. XXXX, the vin number was XXXX. The plate number was XXXX. The title number was XXXX. My social security card was stolen with the names XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. My former employers have been changed with all three credit agencies. Property have been purchased with my personal information. Through the wage earner courts, my rights under the bankruptcy have been violated. Purchases have been allowed to be made while I was under wage earner without my knowledge /permission.