23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Best Buy Corporate Resolution Team : Where is my {$190.00} REFUND that Best Buy Corporate Resolution Team pledged to reimburse me, for the month of XX/XX/2023?!? WHY is Best Buy charging {$490.00} to my Account, for an undisclosed/deliberately concealed/hidden Best Buy product which I DID NOT Purchase/DO NOT NEED/NO ABSOLUTELY NOTHING ABOUT?!? Who is the Phantom Customer who allegedly made the purchase?? WHY are there NO DATES connected to/CONFIRMING/associated with this pretended/purported {$490.00} sale?!? 
BUT, most importantly of all. WHY is Best Buy permitting a Phantom Customer to steal my identity AND make purchases, using my Credit/Debit Card Account?!?. I expect/anticipate the {$190.00} Best Buy Refund to be deposited-into my Bank Account by XX/XX/2023/TODAY!! 

Best Buy Business-tactics are highly questionable/very sloppy! 
XXXX XXXX CFPB Complaint No. # to Best Buy : XXXX Best Buy Customer Service PIN # : XXXX XXXX XXXX XXXX Best Buy Membership ID # : XXXX Best Buy TotalTech Plan Serial # : XXXX FCC Complaint Ticket ID # : XXXX Forward From : XXXX XXXX Sent : Friday, XX/XX/2023 XXXX XXXX Subject : XXXX # Re-Newal_DEP Subscription Confirmation : Reference # : XXXX You have been charged {$490.00}, order placed successfully. 

Review the attached PDF document for details. 

Contact # : XXXX Thank you for your patience. 



Hi XXXX, The email below was not sent by Best Buy and was probably sent with fraudulent intent. Our advise is that you do not engage with the party that sent the email as it was not Best Buy and is not related to Best Buy in any form. 
Regarding your refund, it was already processed back to you. This was in XXXX amounts as previously stated. {$140.00} was done on XX/XX/XXXX and {$48.00} on XX/XX/XXXX. 

Please feel free to contact me if you do not see in your account. 
With Kindest Regards, XXXX Senior Executive Resolution Specialist Best Buy Customer Care Phone : ( XXXX ) XXXX | Email : XXXX Best Buy Stores, L.P. 

XXXX XXXX XXXX XXXX, XXXX, MN XXXX, USA | BestBuy.com XXXX  Duplicate Receipt XXXX XXXX START RECEIPT XXXX Welcome to Best Buy # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XX/XX/23 XXXX RETURN Original Tran XXXX XXXX XXXX XX/XX/23 XXXX MY BEST BUY XXXX MY BEST BUY TOTAL YEARLY MEMB Original Price XXXX Days not used XXXX Of XXXX Pro-rated Refund XXXX Sales Tax XXXX XXXX MTHLY MBR L XXXX MTHLYBBP LAPTOP ADH $ XXXX $ Plan ID XXXX Sales Tax XXXX XXXX XXXX XXXX XXXX XXXX Subtotal XXXX Sales Tax XXXX XXXX Total XXXX XXXX Keyed USD {$140.00} REFUND XXXX Manual Approval XXXX My Best Buy Member ID XXXX Service plan Terms & Conditions are available at BestBuy.com/PlanTerms Return/Exchange Policy : 15 days on most purchases. Activatable devices have a 14-day return policy ( 30 days for XXXX activatable devices ). For details, go to BestBuy.com/Returns. To learn about privacy practices, go to BestBuy.com/Privacy. 

Your Customer Service PIN is : XXXX XXXX XXXX XXXX ************ END RECEIPT ************ =====================================
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the two messages below this afternoon regarding my XXXX XXXX accounts and Transunion credit report, but...I did NOT contact Transunion on XX/XX/XXXX,  XXXX XXXX. Of course I am extremely concerned that someone may have accessed my credit report and is trying to gain access to my XXXX XXXX accounts. I have been on the phone with Transunion for most of the afternoon without resolution to my concerns. I have copied the text from the emails below.
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Email received today at XXXX XXXX CST:
Thanks for using XXXX from XXXX XXXX, powered by TransUnion. You asked about information specific to your XXXX XXXX account. Although wed like to help, TransUnion is not able to provide any details related to your XXXX XXXX card. Please contact XXXX XXXX directly via your XXXX XXXX account online and click on the Chat Now button. You can also call the number on the back of your card to speak with someone over the phone. If you dont have you card, you can call XXXX (XXXX), and someone can help you anytime. Please don't reply to this email, because this inbox isn't monitored. If you have any other questions, please return to XXXX and use the "send a message" feature there. We'll be happy to help you.
-----Original Message-----
From: XXXX  [mailto:XXXX] 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX 
Subject: XXXX Customer Support
 
How do I dispute a paid item?
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Email received today at XXXX XXXX CST:
NOTE: The email came to my XXXX inbox, but was addressed to XXXX. 
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Thanks for using XXXX from XXXX XXXX, powered by TransUnion. You asked how to change info on your credit report. If you dont think what you see in XXXX  is right, you can review the information from your TransUnion credit report in the Credit Report section. Just click on the icon that looks like a piece of paper that says report. Detailed information on all of your opened and closed accounts  as well as your personal info, like name, date of birth, and address   that are reported to TransUnion is available there. If you find a reporting error, click on the button that says, see something wrong? to read some additional information and follow the instructions to have it corrected. Please don't reply to this email, because this inbox isn't monitored. If you have any other questions, please return to XXXX and use the "send a message" feature there. We'll be happy to help you.
-----Original Message-----
From: XXXX  [mailto:XXXX] 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX 
Subject: XXXX Customer Support
 
I have not went by the name XXXX XXXX since XX/XX/XXXX . My current name is XXXX XXXX XXXX and I am XXXX.  I live at XXXX XXXX XXXX XXXX Indiana XXXX. I have tried to change this several times and get kicked off.  I have also paid off some of the debts. I am trying to build my credit up to purchase a new home and car.
Product: Checking or savings account

I recieved my bank statement to find my account had over XXXX in charges that I did not authorize so I went to bank called police did every single thing known to do an As I was asked to do, and yet it's been 30 days now An I have XXXX in bounced check fees fines and the bank is refusing to give me my money back and im told that it's a civil cop matter not there problem they said it's theft not fraud well yeah it is both cause I'm not sure who stole it I gave them few scenarios I might could help them but I'm not sure they said I need to make an arrest to whom did it and get the cops to make them pay me back it's ludicris! Im in need of that money and as the CEO mr XXXX words to me were, oh well you may just have to eat that money REALLY im blown away I put my money in trusting them to keep for me safely and now im broke and completely losing my whole life daily please help me.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Account Closure notice email from Coinbase regarding XXXX. 
I removed all my virtual currencies. 
However, I am not able to withdraw the USD I have on their system. 

XX/XX/XXXX Begin the support ticket process. 
Multiple telephone calls. 
Asked to not open multiple tickets. 
Wait a couple months with no help. 

XX/XX/XXXX Call again, account escalation. 
No response, no progress. 

3 months pass and my USD is still tied up in Coinbase. 

All it would take is a simple temporary approval to add my banking information to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, More than two years ago, paid the full amount to the collection agency. I was told will be removed from your account. 
Already sent the payment letter and XXXX balance letter to the Experian to remove the collection report from my credit score. However, they did not remove it and still keeping in my score. Currently, I have XXXX balance for that account and paid the amount two years ago. 

Currently, trying to get a mortgage loan for better APR, but can not get it because of this score that provided by Experian Please see the attachment Thank you, XXXX XXXX XXXX, XXXX, Ga
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the XXXX Account names and numbers listed, has violated my rights. 
Account Name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX account # : XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK XXXX 
account # : XXXX Account Name : XXXXXXXX XXXX  Original creditor : XXXX XXXXXXXX BANK XXXX 
account # XXXX Account Name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # XXXX Account Name : XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK USA XXXX XXXX 
account # 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
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/year>. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX account # XXXX XXXX  just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active TransUnion XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the recent reporting of a disputed debt by XXXX XXXX and the subsequent denial of my dispute by Experian. This debt, previously reported by XXXX XXXX XXXX. Despite my repeated attempts to request proof of the validity of this debt to Ability, I never received proof. Experian finally removed this from my credit report in XXXX 2024. Now the debt has resurfaced on my credit report without any notification or opportunity for me to dispute or validate the debt with XXXX XXXX. 

As of XX/XX/2024, I have yet to receive any notice from XXXX XXXX indicating their ownership of the debt or providing me with the necessary documentation to substantiate its validity. Despite XXXX lack of communication and due process, Experian has verified the debt with XXXX XXXX, leaving the debt on my credit report, thereby impacting my credit score and hindering my ability to pursue important financial endeavors such as purchasing a house.This has dropped my credit score by almost XXXX points which has also changed my overall credit ratinng. It is unfair that a debt can surface years after the supposed origination and none of the companies involved in collecting or reporting the debt have to provide proof of the validity of the debt. 

This unjust and deceptive practice not only undermines consumer rights but also creates unnecessary financial burdens and obstacles for individuals like myself who strive to maintain excellent credit standing. It is unacceptable that companies like XXXX XXXX are allowed to buy and sell debt without adequately proving its validity or affording consumers the opportunity to dispute inaccuracies. 

Thank you for your prompt attention to this matter. I trust that Experian will uphold its commitment to fair and accurate credit reporting and take the necessary steps to address this issue expediently.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I HAVE BEEN A CITIBANK CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY XXXX SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX  AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO CITIBANK AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT CITI BANK IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.
Product: Checking or savings account

Hello, My name is XXXX and I was recently a customer of capital one until some recent fraud activity occurred on my account, and Capital One decided to end their relationship with me. On XX/XX/XXXX someone accessed my capital one account changed my password and attempted to transfer XXXX from an account and XXXX, but I was able to cancel both transactions before they were completed. At the time of the incident I reached out to capital one to make them aware but nothing was done about it, I only experienced unprofessionalism, and was just told to change my information but that was just the beginning. After that IncidenXXXX weekly I would notice I was unable to login to my account because someone continuously kept changing my password and contact information. Finally on XX/XX/12 I was out with friends swiped my card to purchase something and the card was declined. I then attempted to log into my account and I noticed my password was changed again, so I was finally able to get access and noticed several transactions which were XXXX transactions that were sent to someone lowering my bank balance. There was a total of XXXX transactions that was sent totaling about {$190.00}. When I noticed this I then contacted capital one fraud, and from start to end there has been an extreme lack of professionalism and empathy. Missing the funds is one thing, but the level of violation I have felt because of the lack of protection on my account, and the way it was handled when I notified them I was a victim of fraud has been insult added to injury. After banking with capital one for years and being told that they have decided to end their relationship with me has been extremely frustrating and disheartening. This was not done by me, I have never given anyone access to my phone nor my online banking information, are my bank account information. At this point I am at my wits end and would like this further investigated, because I'm certain Capital One Bank is not thoroughly investigating this matter, and to avoid any other Capital One customer going through this I would like something done about this company, and my money back. 


Thanks XXXX
Product: Credit reporting or other personal consumer reports

AFN sold my mortgage to XXXX XXXX without my knowledge or permission. I asked them to provide their profit to see if I was getting equity under my contract. They refused, and now AFN and XXXX XXXX are trying to collect on the debt. Attached are the laws and regulations that caused the companies to commit Fraud/FCRA Violations that could be interpreted as Human trafficking. 

Please see the referenced FCRA and Regulation V XXXX XXXX Final Rule : Consumer Reporting Agency Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 3 ) Consumer Reports Violations/ 1022.142 ( a ) ; 1022.142 ( b ) ( 2 ) Victim of Trafficking defined/ 1002.142 ( b ) 4-5 ; 1022.142 ( b ) ( 7 ) I also requested that their fraud be disputed with these regulations. : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
Product: Credit reporting or other personal consumer reports

I have submitted multiple requests, via certified mail, to TransUnion trying to get them to correctly update their error in what has been reported on my credit report. I have sent multiple certified letters dated as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : All certified letters were indeed signed and picked up by TransUnion, including proof of TransUnion 's error. TransUnion replies and states the same letter, without doing any investigation as requested by me, every time that the letter received isn't mine and will not proceed to correct their error. All my certified letters included the nature of the Two disputes. First dispute : dispute on XXXXXXXX XXXX ( update the XX/XX/XXXX report to current ; not 30 days late ), account number ( # XXXX ), months ( over 30 days late in XX/XX/XXXX ) to be corrected. Second dispute : dispute on XXXX XXXX XXXX ( update the XX/XX/XXXX and XX/XX/XXXX report to current ; not 30 days late ), account number ( # XXXX ), months ( over 30 days late in XX/XX/XXXX and XX/XX/XXXX ) to be corrected. I have included my driver 's license, a copy of a current bank statement with my current address, and the documents to correct the error. This has cost my time, and money, and has damaged my credit score which has caused a serious financial loss in obtaining any loans, purchasing a house or property, and vehicles. This is a TransUnion error, that has greatly caused financial loss and a much higher interest rate that has and is still putting me at a grave financial cost due to TransUnion 's error. This is still going on after, in total, seven certified letters, with the same updated proof to TransUnion. Please help me in this matter. This TransUnion error has, in addition to others, cost me not to get an education loan to improve our education, improve income, help my community, and be financially secure ; in not getting loans with much lower interest rates, I am still paying for due to TransUnion lack of providing me what the law states, but TransUnion refuses to follow.
Product: Mortgage

This is our 2nd complaint. We thought we were working with Wells Fargo to resolve this issue when all of a sudden we have been told they were foreclosing on us. Our biggest frustration with Wells Fargo is how long it takes for them to communicate anything. We get them the documentation they ask for the day they ask for it and then weeks later we are told they received it. We know this is not true. They tell us they will call us on a certain date to discuss our situation and then when they call they tell us they are still researching. They delay things for weeks and months at a time until it 's too late to do anything according to them. They are now telling me I do n't make enough money to qualify for my payment ... this is not true. As of XXXX/XXXX/16, my year to date income was {$17000.00} from my job ... .my VA XXXX is another {$490.00} a month ; my liabilities ( besides my house payment ) are only {$730.00} monthly ; my house payment is approximately {$1800.00}. Everything else has been paid off. 
If they would do things in a timely manner, all of this could have been settled months ago. Instead they have now started foreclosures proceedings. We do not want to lose our home. Please help us.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Account number : XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : Request for XXXX XXXX XXXX per Title XXXX section XXXX To whom it XXXX concern, This letter does not serve as a debt validation letter. This letter is to formally request the right to XXXX XXXX in accord with XXXX XXXX section XXXX ( c ). 
( c ) XXXX XXXX If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt XXXX further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor XXXX invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

This request to cease communication also includes any oral, written or verbal communication that has been communicated in connection with the Account XXXX : XXxxx, including the communication of this account to XXXX, XXXX and XXXX. Failure to do so will result in me making a complaint to the secretary of state in your state and mine as well as making a a complaint to the XXXX XXXX XXXX as they were created for consumer financial protection Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry1 : XXXX XXXX XXXXXXXX Inquiry 2 : Navy FCU XXXX Date:XXXXXXXX Inquiry 3 : Navy FCU, Date : XXXX  Inquiry 4 : Navy FCU, Date:XXXX Inquiry 5 : Navy FCU, Date:XXXX  Inquiry 6 : Navy FCU, Date:XXXX  Inquiry 7 : Navy FCU, Date:XXXX Inquiry 8 : Navy FCU, Date:XXXX  Inquiry 9 : XXXX, Date:XXXX Inquiry 10 : XXXX, Date:XXXX Inquiry 11 : XXXX Date:XXXX  Inquiry 12 : XXXX XXXX XXXX Date:XXXX I am Hereby Demanding Deletion to the Invalid information Showing on My 'Transunion ' Credit file. This is a violation Pursuant to My Fair Credit Reporting Act Section 1681b ( c ) a SERIOUS breach of my privacy rights.