23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Best Buy concerning a recent transaction that remains unresolved despite my efforts. 

On XX/XX/year>, I received a package from Best Buy via UPS. Upon opening the package, I found it to be empty except for three water bottles. The item I had ordered was the XXXX - XXXX XXXX XXXX XXXX XXXX for XXXXXXXX XXXXXXXX, valued at approximately {$860.00}. I have a comprehensive video recording that clearly shows the package was empty except for the water bottles. 

I immediately contacted Best Buys customer service to report the issue and request a refund. Despite providing evidence of the empty package and making multiple attempts to resolve the matter, Best Buy has refused to issue a refund or offer any form of compensation. 

Additionally, I disputed this charge with XXXXXXXX XXXX XXXX hoping to secure a chargeback for the undelivered item. However, XXXX also refused to grant the chargeback, leaving me without recourse through both the retailer and my credit card issuer. 

Given these circumstances, I am seeking the CFPBs assistance in resolving this issue. I request that Best Buy be required to process a refund for the undelivered item. Their refusal to address this situation appropriately, combined with the denial of the chargeback, has resulted in significant inconvenience and financial loss. 

Thank you for your attention to this matter. I look forward to your assistance in facilitating a resolution.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to secti

on 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of accep table items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several requests to transunion credit bureau that the following inquiries were not authorized by me. They did nothing and the inquiries still remain. I did not authorize these inquiries and would like them removed XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I saw a promotional offer by Amex Delta Gold Business for XXXX bonus for $ XXXX spend in first 3 months & {$50.00} statement credit with Delta purchase on XXXX ( XXXX ) that didn't expire until XX/XX/2019. I joined due to this AMEX/Delta advertisement. 

Afraid to apply to unknown sites, I applied on the primary AMEX website because I already had an account and wanted to avoid phishing of personal information from unknown sites. I also called Delta/Amex and was told to apply online ( instead of the phone ) to get a temporary number so I can book flight tickets immediately. I actually didn't get a temporary # which resulted in my airfare going up {$200.00} and added a stop over/longer wait time waiting for the credit card.. 

Once I got my card in the mail ~XXXX, I called AMEX to honor the bonus I saw on their marketing sites ( XXXX  ) which I have a screen capture. The AMEX representative said she couldn't do anything and only could get XXXX.. 

I explained to her that's really unfair for an AMEX marketing currently available which I'm aware not to be honor when a customer want to be reassure to use a legitimate primary AMEX site to apply. 

How would a consumer know which website is legitimate or not to apply to assure they get the current marketing offer? I contacted them as soon as I got my physical card and the promotional offer is still valid. I didn't call a year later or even a month later. Most stores honor an advertisement difference in 30 days, why can't credit cards advertisement be held to this to assure consumer personal information won't be taken trying to take advantage of promotional offers?
Product: Debt collection

Over the last 4 years I have finally gotten my life on track but over the last month Midland Credit Management has repeatedly attempted to pull me down by harassing me despite my documented requests that they leave me alone. Apparently they believe I owe them money from 2014 regarding a {$600.00} XXXX account and they don't care if I'm at work or if I'm getting into bed they just want to harass me and even sometimes call and just hang up when I answer. I have XXXX XXXX as it is I just dont understand why they are trying to bring me down and embarrass me by calling my XXXX  Mother 's phone number and sending collection letters for her to see. She is XXXX XXXX XXXX and this is not ok! MIDLAND CREDIT MANAGEMENT JUST WILL NOT STOP - they are destroying everything i worked so hard for - my Mother 's respect - my ability to have normal functioning days. They treat me like I have no rights or like I deserve no respect unless I give them money. At first I felt intimidated and XXXX  - but now Im just angry and I demand they be held accountable for the damage their tactics have done to my life. 



XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX )
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX  , my account ending  XXXX  was placed on an account restricted status without explanation.
Product: Debt collection

My lease with the apartment complex XXXX XXXX ended on XX/XX/XXXX. I received a final statement through email and regular mail. It said I had 10 days from notice to pay the amount of {$170.00}. Which I went in and paid on XX/XX/XXXX. I have a money order receipt signed by them stating that I was paying my final statement in full. But now it has come to my attention that I have an account in collections that is demanding said amount when it has ready been paid for. Not to mention that upon further inspection i have realized that i was over charged. The bill stated that my lease ended on XX/XX/XXXX which let them charge me extra for staying until XX/XX/XXXX. Which is not accurate given I signed a 13month lease concluding on XX/XX/XXXX. It also stated that my reason for moving out was " money problems ''. In the whole 13months I lived there I missed paying on time once and that was a time mismanagement on my part. I did informed them when they asked what my rent would be at the new complex, that it would be about {$300.00} cheaper. I don't believe that wanting to save money is a reason to be considered as someone who has " money problems ''.
Product: Debt collection

XXXXLending Club is a fraud account that was supposedly fixed after I filed a police report and affidavit ( attached here ). Now XXXX XXXX is reporting it as a collection on my credit.
Product: Money transfer, virtual currency, or money service

I was contacted through my email about a job opportunity where I would be buying supplies and package them to ship to foster care. I was offered {$500.00} as my wage and they will be sending me checks where I would keep {$500.00} and the rest used for supply and shipping expenses. I was then communicated through text messages and emails. They sent me electronic checks ( {$2600.00} ) to be deposited to my bank account ( Bank of America ) which was made available as my balance. Then the scammer told me that the foster care contacted them and said that they cant accept packages right now because of COVID. So they asked me to keep {$500.00} and send out the {$2100.00} to another account which I XXXX out the money through my BOA mobile app to ( I was asked to send to XXXX ) on XX/XX/21. I did as they said. Since the bank made the balance available to me so I thought the check was already confirmed and processed. Later on, the bank rejected the check and I couldnt get my money back. I contacted the bank right away after the check was rejected but they said they couldnt do anything other than filing a claim and contact XXXX. I called many times throughout 90 days ( thats the days the bank said how long it would approximately take for them to decide if I can have my money back ). As a result, the bank told me that I can not get my money back. I asked for contact information in hope that maybe I can talk to XXXX myself but all I get from XXXX is auto messages that says to contact the bank. So thats what happened and I never got the {$2100.00} back.
Product: Debt collection

I HAVE BEEN THE VICTIM OF IDENTITY THEFT OVER THE YEARS AND HAVE HAD NUMEROUS FRAUD ACCOUNTS OPENED IN MY NAME USING MY PERSONAL INFO. I HAVE BEEN FIGHTING WITH TARGET CREDIT CARD FOR SEVERAL MONTHS NOW REGAURDING A FRAUD ACCOUNT THEY HAVE UNDER MY NAME AND SSN. I HAVE REACHED OUT TO THEM SEVERAL TIMES AND AM ONLY ABLE TO SPEAK TO SOMEONE WHO SPEAKS VERY LITTLE ENGLISH AND SOUNDS LIKE THERE IN A CALL CENTER OVERSEAS! THEY KEEP SAYING THE ACCOUNT BELONGS TO ME YET THEY DONT HAVE MY CORRECT INFO, ONLY MY SSN AND NAME. THEY DO NOT HAVE MY CORRECT ADDRESS NOR MY PHONE NUMBER. I DID NOT OPEN THIS ACCOUNT!!! I RECENTLY HAD ATTEMPTED ID THEFT ON XXXX AND WAS FORCED TO FILE YET AGAIN ANTHOR POLICE REPORT, I HAVE REPORTED ONCE AGAIN THIS TARGET CREDIT CARD AS FRAUD. I HAVE ATTACHED A COPY OF THE POLICE REPORT SHOWING THIS TARGET CARD! SOMEONE HAS MY INFORMATION AND CONTIUNES TO OPEN ACCOUNTS IN MY NAME. I HAVE TAKEN STEPS GOING FORWARD TO PREVENT THIS FROM HAPPENNING AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.
Product: Credit card or prepaid card

I applied for credit card with Pen fed credit union on XX/XX/2023, Pen Fed made hard inquiry on my credit and put hold on my application on contacting Pen Fed they told me that I have been conditional approved for XXXX $ and told me to submit my proof of income .After submitting my proof of income I contacted them about status of my application, then I was told that in order to approve my application I would have to open savings account with them .One of there representative then opened my account over the phone and told me to wait 24-48 hours for underwriting to review my credit card application.I waited another 3 days and call them back for follow up, then I was told by one of there supervisor that they cant process my application because of some issues ( which they were unable to explain me ) and I would have to submit my application again .Which I think is not fair because they are gon na make hard inquiry again on my credit. 

My application number was XXXX.
Product: Credit card

I lost my American Express credit card and someone use the credit card to make purchases, I do not know about that, American express did not provide detail about purchases, they did not investigation, never contact me about investigation, just tell me to pay totals {$8300.00} Attach documents show purchases.
Product: Payday loan

I received a call from Ace Cash checking a few days before the XXXX of XXXX stating that Maine law prohibits them from doing the loans anymore The lady stated that I had to pay my loan amount by XXXX XXXX and threatened me with collection before I was even do. I stated that I was only expecting to pay the XXXX and that I have a new job and I would n't receive a paycheck until XXXX. The lady on the phone told me to make sure i reached out to therm and that it will go on my credit report. She also told me that she would n't have a job because her and her coworkers had been laid off. I Received an automatic bank draft of XXXX on XXXX and when I tryed to call and resolve the female offered me no resolution and stated I signed a document and the could do it when they wanted to. I had no choice but to stop payment and close my account.
Product: Mortgage

With all do respect and to whom it may concern. From XX/XX/XXXX until XX/XX/XXXX. Our mortagage carrier was Wells Fargo Home Mortgage. In XXXX of XXXX we were giving an opportunity for a loan modification. We submitted a initial payment of {$910.00} via United States Postal Service XXXX for the loan modification. Wells Fargo Home Mortgage informed us that they never received the {$910.00} payment. We returned to the post office and had a search done. We found out that the {$910.00} payment had been received by a Wells Fargo Mortgage representative on time. We received a letter from Wells Fargo Mortgage stating the agreement was denied because we didn't make the payment on time. The denial resulted in foreclosure proceedings. Which caused XXXX, XXXX and XXXX XXXX. Enclosed are several documents supporting our claims. Many of the documents we received from Wells Fargo Mortgage Department had conflicting due dates. We are submitting our information for review and cash settlement. We want compensation for mental stress and suffering caused by Wells Fargo Home Mortgage. We have recently communicated to Wells Fargo Mortgage through a series of letters and emails we have submitted to The Attorney General 's Office beginning in XX/XX/XXXX. The Attorney General 's Office relayed information to and from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage only then finally admitted to depositing our payment of {$910.00} and did not give our account the credit. For compensation for mishandling our {$910.00} payment in XXXX Wells Fargo Home Mortgage tried to issue us a check for {$910.00} in XXXX. We did not agree to this amount but Wells Fargo Home Mortgage tried to issue us the check and close the case. My family and I have suffered a tremendous hardship and mental stress from being homeless. I lost my job and my vehicle and we are still suffering today. Because of the foreclosure our credit score was and is still effected. We our desperately struggling to get our credit and life back on track. 
We thank you for your time. 

Respectfully
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX  ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the SSN XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX XXXX XXXX in XX/XX/2018. I disputed this fraudulent account with this company and never received any sort of results from the bureaus. I sent them over the fraud affidavit packet and it as still not removed from my report. It has been over 45 days. This is not ok for them to report inaccurate information that does not belong to me. I did not open or authorize this account, and I therefore request that it be closed immediately and removed from my consumer report. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$49000.00} XX/XX/XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX  XXXX {$290.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

New ADP paycard. I called ADP customer service to get XXXX & Account number to set up automatic electronic payment for XXXX credit cards. They gave me instructions to print out voided copy of " check '' that would have XXXX & Acct number on bottom. They instructed me to use those numbers. I then used that information on XXXX of my credit cards to set up automatic electronic monthly payments. Then I received notice from my credit card companies that the payments were " refused by the bank '' and that my payments were now late. I called XXXX Customer Service and was told that reoccurring payments had to be set up using the card number on the front like a credit card. I advised ADP that I verified with the credit card companies that they would not process a payment in that manner. I also asked ADP to process the XXXX payments that I had already initiated, with the money on my paycard, MY MONEY, and was told that there was no way they could do that. XXXX said that the only thing they could do was reprimand the customer service rep for giving me bad information but that was it. They also said they would not reimburse me for any late fees assessed by the credit card companies. Additionally, I was told that the XXXX & Account numbers were certainly valid if I wanted to deposit additional funds in my account. But those same XXXX & Acct numbers are automatically declined for any kind of payment out of my account. I 've had paycards before and used them for automatic payments. It was NEVER a problem. This XXXX pay card is a joke!!! I ca n't pay my bills online with it and I 'm limited to ATM caps if I try to take cash out. Again, I stress that I can always use those XXXX & Acct numbers to put MORE money on my card. SO HOW IS THIS RIGHT????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and I notice that they are several inaccurate information on my report. Please review the following information : XXXX  Account Number : XXXX I have send letters to not only the creditor, but also to the XXXX XXXX Equifax XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. 

According to 15 U.S. Code 1681a, please remove this from my credit report per the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) CONSUMER REPORT. 
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

XX/XX/year> XXXX Caine And Weiner they have a debt that is listed on my credit report that does not belong to me when speaking to me the verified that its not mine and so does the original creditor but its still showing on my report also the name and date of birth are not mine