23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Since XXXX I have been having ongoing issues with Best Buy. I try to place orders to be shipped to me or for in store pickup and they get cancelled instantly. I have tried multiple times to call and speak to someone about why my orders get cancelled and they never give me an answer. I have gone into my local Best Buy stores and they are unable to give me an answer. 

Anything that I dont purchase in stock, in person gets cancelled. I am a Best Buy store cardholder and Im unable to purchase the things that I want/need. Its very frustrating and has caused me many issues. 

In XXXX, I made an appointment to bring my vehicle in for a stereo install. I purchased all the necessary equipment and scheduled the install for a day that would work with my schedule. Immediately after I left the store, I received an email saying that my order was cancelled because they couldnt verify my information which made no sense. 

On another occasion, in XXXX, I called to speak to a customer service representative about exchanging a television that I purchased, in store, for a larger size. Best Buy was supposed to send people to my home with the new TV, mount it and take the other TV I had back as a part of the exchange. I paid for this with my Best Buy card. Shortly after the call was completed, I received an email saying that my order was cancelled and that I would be refunded. However, I was never refunded. I placed multiple calls to resolve the issue only to be told that they cant do anything about it and they wont discuss my account with me. What kind of answer is that? I eventually had to open a credit dispute with the bank that oversees the Best Buy store cards. Only then, did I eventually get a refund. 

I have attempted to have my account reviewed multiple times to rectify the issue that keeps causing these cancellations. Nothing ever comes of it. Nobody calls me back. When I follow up, Im just told that its still under review. Then at some point, theres no record of my prior calls and Im told that nothing can be done for me. This is extremely frustrating. I have been punished by this company for years when all I want to be able to do is make my orders like everyone else.

It wasnt until one of my most recent visits to a Best Buy store that I was informed by an associate that they saw something odd. They said that when they look up my phone number, it doesnt show me as a Best Buy store card holder. In fact, when I check out, it asks me if I want to apply for a store card. I have no idea why they would remove that information from my account when I am clearly still a Best Buy store card holder and I pay yearly for their Total Plus subscription. 

This has even caused issues for my girlfriend, who lives with me. She informed me that she was also having issues placing orders and could only do in store pickup. It seems that they have placed some type of flag on my address that is also affecting her.
Product: Student loan

My wife and I borrowed money for college from the years XXXX. We both had Stafford loans and shortly after we got married in XXXX we began making payments on our student loans. At the time, it was " XXXX '' that serviced our Stafford Loans. Unbeknownst to us at that time, as young and inexperienced borrowers, we decided to consolidate our student loans together at 6.875 % and begin paying on them together. 

Well, it wasn't long after that that we realized we didn't have the money every month to make the payments we were required to pay and so we put our loans in deferment. Due to circumstances out of our control in the following years, we still were unable to pay on our student loans and we ended up putting them into forbearance not realizing that our loan balances were continuing to have interest appreciate on those balances. 

About ten years ago, Sallie Mae was taken over by Navient and we were told to put our loans in forbearance again. But by then, we had already accrued a ton of interest on our loans. We finally went into an XXXX plan while our loan continued to accrue interest and we made very minimal payments on the loans. The amounts we were paying were simply paying interest and we had no hope of any of that money every going towards any principal. 

Fast forward to XXXX where we are still making payments on these loans with no hope of ever paying off the balances. Navient has done nothing to help us figure out if there are other options to determine how we can ever pay these loans off. Our income is slowly starting to grow as my wife and I have had new jobs and we are watching our IBR payments continue to rise while none of these payments go to help us pay off any principal. 

Over the years, we have been pushed into forbearance before being given the option of IBRepayment, thus accruing ridiculous amounts of interest onto our principal balance and now, {$45000.00} worth of original student loans has grown to over {$94000.00} of repayment. Interest accrues daily and we still are watching our loan balance climb with no way of making a dent in the principal. 

If there is any way we can get some relief from this growing mountain of debt that just continues to grow ... we would be grateful. Navient has simply taken advantage of people like us in a needy situation and profited off of us.
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 the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite the initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Consumer Loan

I have received a letter from a company named Central Credit Services LLC XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX telf XXXX The letter states that I have a pending debt of {$800.00} with XXXX XXXX XXXX XXXX, and this company has been hired by XXXX to collect this payment. As of now I do n't have any notification from XXXX regarding this debt. The car that they are talking about was fully paid by XXXX since it was part of a trade in, and my credit report is showing this car as a closed account. CENTRAL CREDIT SERVICES is urging me to send them the payment or to contact their office to set up a payment arrangement. I believe this should be a total scam, that 's why I 'm filing this complaint.
Product: Credit card or prepaid card

XX/XX/2020 Mr XXXX XXXX XXXX CEO & Chairman Capital One Financial Corp XXXX XXXX   XXXX XXXX XXXX VA XXXX Re : Searching for Refund Credit {$62.00} Dear Mr. XXXX : After spending 1 hour and 25 minutes on the phone on Friday XX/XX/20 with three [ 3 ] different customer service associates [ to no avail ] I am contacting you in search of your assistance. 

On XX/XX/2020 I received a refund credit from a merchant. I have attached a copy of the Refund receipt. 

As of XX/XX/2020 the refund credit has not been applied to my credit card account [ number ending in XXXX ]. 

During my elongated conversations with your customer service associates an associate initiated a three-way conversation with the merchant who confirmed, and your associate acknowledged, that the refund credit had been processed on XX/XX/2020. 

Please forward to an experienced associate who can research and apply the credit to my credit card account. 

Since the merchant has confirmed the credit has been processed, and I have not received the credit, it would appear that at this point that Capital One has been unduly enriched by funds that rightfully belong to me. 

Thank You in advance for your anticipated prompt response. 

Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Cc : Consumer Financial Protection Bureau
Product: Debt collection

On different dates I have reached out to this company rto dispute this inaccurate information. Once this debt collector requested for me to send the poof this debt was not mines and I did not own any balance which I was able to verify but yet they are claiming this debt is mines. Which they are falsely reporting this information on my credit report. In the past month I again disputed this claim and yet they are trying to verify this debt is mines when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

In the   XXXX   XXXX   XXXX   I was erroneously charged {$83.00} for co-insurance by the hospital I work for related to services provided in   XXXX   XXXX   XXXX   XXXX   XXXX  . Hospital policy is not to collect co-insurance from employees and family members covered under the employed individuals benefits plan. I did explain this in writing in a notification sent back to the hospital billing department.   In  XXXX   XXXX , I received a notice of debt collection from Transworld Systems Inc. I sent a written notice on  XXXX   XXXX ,  XXXX  demanding immediate cessation of attempts to collect this erroneous debt.   On  XXXX   XXXX ,  XXXX  I received another letter seeking to collect this debt with the addition of accrued interest making the total {$85.00}.   I have sent another notice to the company as of today,  XXXX   XXXX   XXXX  demanding immediate cessation of attempts to collect this debt.
Product: Credit reporting or other personal consumer reports

Second Formal Request to Opt Out and Revoke Consent Under Fair Credit Reporting Act Summary of Request to Opt Out and Denial of Rights by XXXX  XXXX Background : First Request : Submitted to XXXX  XXXX on XX/XX/year>. 
CFPB Request : Submitted on XX/XX/year> after XXXX XXXX ignored the first request. 
Response : Both requests were denied and ignored by XXXX  XXXX Request Summary : I formally requested to opt out of any and all sharing of my credit account, transaction, and non-public information with XXXX  XXXX. My rights are protected under various laws, including the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1016.7, which state : Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ) : Consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. 

15 USC 6801 : Financial institutions must respect the privacy of their customers and protect their non-public personal information. 

15 USC 1681 Section 604 ( a ) ( 2 ) : Consumer reports may only be furnished in accordance with written instructions from the consumer. 

15 USC 6802 ( b ) ( c ) : Financial institutions can not disclose non-public personal information to non-affiliated third parties without providing consumers an option to opt out.

12 CFR 1016.7 : Consumers have the right to opt out at any time. 
Issues : - XXXX XXXX did not acknowledge or act upon my initial opt-out request submitted on XX/XX/year>. 
- Following the denial and ignoring of my first request, I escalated the matter to the CFPB on XX/XX/year>, which was also denied. 
- XXXX XXXX has not provided the required option to opt out nor protected my rights as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My house was burglarized on XX/XX/2021. All my information was stolen. Tax information, Birth Certificate, Banking information ( XXXX ) and 401k Retirement and Pension accounts, SocSec numbers. User log ins and passwords compromised for all accounts. Everything, including title to car which was then stolen on XX/XX/XXXX. XXXX Co Sheriff Case # available. I have received information from XXXX XXXX of a fraudulent account opened online in my name as well as an account with XXXX. I have reported these by phone and in person follow up with both. Also reported these fraud accounts identify theft to XXXX Co Sheriff Dept ( additional case # ). Credit freeze was done on XX/XX/XXXX with Equifax, XXXX, XXXX  by phone menu tree. Unsure if they have noted fraud in their record? Phone tree was painful and there seems to be no way to actually talk to anyone. In fact they jumped to trying to sell me something. 
XXXX asked if I had an FTC Complaint #? Not sure what this is so went to www.consumer.ftc.gov/features/scam-alerts which jumped me to this after question prompts. Will I get a #??
Product: Credit card or prepaid card

I opened an account with Discover within the last couple of weeks, but had issues using it online the entire time. I was able to make a small purchase online, but then when I was trying to make larger purchases  off XXXX and XXXX, both kept getting declined over and over despite my high credit limit and the purchases being nowhere near close to that limit. I called Discover on XX/XX/XXXX at XXXX XXXX to check and see what the issue was. I was told there was no issue with the card at all and it must be on the merchant end.

The morning of XX/XX/XXXX, I tried the same purchase again. This time, Discover set off NUMEROUS fraud alerts and began blowing up my email, texts, and my phone. One of the emails sent said that this was a fraud concern, but if I had already dealt with the issue, to disregard the message. Since I had literally spoken with them 14 hours before and I was currently at work in the middle of things, I assumed I did not need to call immediately. However, within the hour, I received a text message from my ex-husband saying Discover had called him looking for me. He has NEVER been on the account or associated with the account in any way
and Discover would NEVER have been given permission to contact him on my behalf under ANY circumstances. This was NOT a matter of me having defaulted on my bill for a year or something similar, which would be understandable. Rather, this was a matter I had ALREADY TRIED TO ADDRESS less than 24 hours prior and there was NO reason he should have ever been contacted about my account. When I contacted Discover, they said that they had found the number on my credit bureau report as a number I had been associated with historically. This number was NOT given to Discover by me in association with the
account at any point in time, and again, my ex-husband has NEVER had permission to have any sort of information given to him. Following this huge breach of privacy, I closed my discover account on XX/XX/XXXX.
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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.
Product: Credit card or prepaid card

In XXXX and XXXX of 2019 I made two separate orders at Macys.com. These orders were delivered successfully. 

The Macys app correctly showed both orders as paid in full with no further purchases. However, when my paper bill arrived there were numerous fraudulent charges during that period that were NOT listed on the Macys app! 

I filed a fraud report with Macys ; they replaced my credit card. However, after speaking with dozens of Macys employees, receiving multiple letters from different departments ( no one seems to talk to each other! ) the issue is still not resolved. 

I am also receiving DAILY emails that I have a credit balance! These emails seem to be designed for people who dont pay their bills I have a credit according to Macys and I find these daily email security alerts harassment. I can only imagine people who arent able to pay their bills are also receiving daily alerts. Isnt that illegal? 

When I called Macys to tell them according to my records I dont have a credit balance, they said theyd fix it. The next statement DOUBLED my credit balance. 

When I called today to ask them to stop sending me daily emails, they said theyd issue me a refund check which would stop the emails. They were not interested when I said the credit amount was in error. 

What a hassle and they still havent resolved the fraudulent activity on my account!
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BE REMINDED BY THIS VIOLATIONS/LAW ALSO : According to 15 U.S.C 1681 section 602 A , I'm entitled to privacy rights. Additionally, 15 U.S.C 1681 Section 604 A Section 2 prohibits a consumer reporting agency from providing an account without my written consent. Furthermore, 15 U.S.C 1681c. ( a ) ( 5 ) stipulates that consumer reports can not include certain adverse information beyond a seven-year period from the date of the report, except for crime convictions. Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it's prohibited to provide inaccurate consumer information to any consumer reporting agency knowingly or with reasonable cause to believe it's inaccurate.
Product: Checking or savings account

XXXX did not disclose that once u send money as an error it will not be returned.
Product: Debt collection

Conserve collector, charge me an amount of {$6800.00}, account date shows on my record is XX/XX/2022, creditor info : Conserve XXXX Cross keys office PA XXXX, NY XXXX contact : XXXX This was a setup and the act of hatred no evidence or prove of owning such amount of money because they have my SSN number that why they did this.
Product: Credit reporting or other personal consumer reports

I received an email from Experian stating that they had finished their investigation. When I tried to access the completed dispute, I could not. I tried to reset my password, but the security information sent to verify me said my cell number did not exist. 

I ordered the free copy for Experian AND my cell number is in their database. Why they are stating my cell number isn't valid? 

I have called four numbers associated with Experian and the only time I was transferred to a customer specialist was before the office was opened. 

When I called the office after opening, I was told by the canned speech that I would have to send a written request to contact Experian. 

I am concerned that I can not read Experian 's completed action of the dispute. 

Cordially XXXX, XXXX XXXX
Product: Checking or savings account

I opened a new account with cash app. I can't get into my old account, which has money in it. I changed my direct deposit for SSI, from my old account, to the new one. Cash app 's agents told me if I closed my old account, I would lose my money in it. I requested to have my money transferred from the old account to the new one. They said they couldn't do it. My money is stuck in cyber space and they won't let me have it.
Product: Debt collection

I receive a call daily from XXXX XXXX XXXX. They are calling me at work, and can not have personal calls at work, do not answer calls that come in from XXXX 's number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with Experian to remove wrong information or just show me some prove of where they're getting the incorrect information on my credit report. 

Below are the issues of complain, you will also notice I have taken the step as it is listed on their website : Remember, inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. 

They have late payment for my XXXX XXXX which I have never been late. I have asked for proof with not avail. 

1. credit card graphic XXXX XXXX XXXX  XXXX XXXX XXXX XXXX name 2 late payments The following inquires are on my report without my permissible use. I have locked my account for numberous time for this reason. I have contacted the original creditor, only to be told they don't have any information. 

Here is a list of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX Stores Inquiry XXXX : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks - XXXX specific Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX 2023
Product: Debt collection

The report shows I currently owe money to your company Im the victim of identity theft and I dont recognize one or more of the accounts on my report.