23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Claim Regarding Unresolved Charge for Non-Received Item BestBuy XXXX XX/XX/XXXX I am submitting this claim regarding an unresolved issue with a charge for an item I never received, related to an order placed through BestBuy.com on XX/XX/XXXX. 
XXXX and XXXX XXXX : On XX/XX/XXXX, I placed an order with BestBuy. 
I received an email on XX/XX/XXXX notifying me that the order had been delivered, but when I checked, I could not locate the package. I suspect that XXXX delivered the package to an incorrect address, which has happened frequently in my area. 
XXXX XXXX : On XX/XX/XXXX, I opened a case with XXXX  regarding the missing package. However, on XX/XX/XXXX, XXXX redirected me to BestBuy as they were unable to locate the package. 
Communication with BestBuy : On XX/XX/XXXX, I contacted BestBuy 's customer service, and the conversation was captured in text messages. I was initially offered a replacement, which I declined due to my travel plans.

BestBuy subsequently issued a refund, which they indicated would be provided, in writing. However, I later received an email stating : " We have completed our investigation and are unable to provide a refund or replacement. All items on this order that have not already been fulfilled have been canceled. We encourage you to work with local law enforcement regarding this matter. '' This response was surprising and unexpected. I then called and spoke with a representative, I was once again assured that a credit would be issued. 
BestBuys Inconsistent Responses : Despite the assurances, I received the same email response about the lack of refund or replacement.

Dispute with Citibank ( BestBuy Credit Card ) : On XX/XX/XXXX, I initiated a dispute on my BestBuy credit card issued by Citibank. 
On XX/XX/XXXX, I received a letter from Citibank indicating that they had determined I was responsible for the charges. 
On XX/XX/XXXX, I contacted Citibank to dispute their findings. I explained that I had been promised a refund in writing and submitted the text exchange as evidence. 
On XX/XX/XXXX, I received another letter from Citibank stating : " Based on a review of the circumstances surrounding the charge, we have no recourse available to recover the funds. You need to contact the merchant for resolution or to cancel. '' Summary of the Situation : Despite numerous attempts, including communication with both XXXX, BestBuy, and Citibank, I have been unsuccessful in resolving this issue. I am still being held responsible for a charge on my credit card for an item that was never received. 
I am extremely disappointed with the lack of resolution and the continued responsibility for this charge despite all my efforts. I am requesting your assistance in investigating this matter and helping to resolve this issue. 
Thank you for your attention to this claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report
Product: Consumer Loan

On XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX XXXX XXXX and financed it through the dealership associated Commerce Back XXXX/XXXX. Insurance verification was supplied on that day along with the current policy information which included a {$2000.00} deducible which allowed me to take possession and drive new vehicle to XXXX. On XXXX/XXXX/16 Commerce Bank sent a notice welcoming me on the loan ( XXXX XXXX ). On XXXX/XXXX/16 Commerce Bank sent a notice demanding a {$1000.00} deducible with no justification provided ( XXXX XXXX ). On XXXX/XXXX/16 I attempted to get an explanation on the phone with no success other than being bounced around between departments. The last person I talked to said they " could do as they pleased '' based on the a nebulous insurance clause in the purchase contract ( XXXX XXXX ). On XXXX/XXXX/16 I formal filed a complaint with Commerce Bank requesting a justification for the {$1000.00} deducible by XXXX/XXXX/16 ( Doc XXXX ). On XXXX/XXXX/16 Commerce Bank demanded a {$1000.00} deducible and threatened me with an {$8400.00} XXXX premium ( XXXX XXXX ). On XXXX/XXXX/16 I sent final notice to Commerce that I was taking my business elsewhere as they had failed to provide an explanation ( Doc XXXX ). 
On XXXX/XXXX/16 I received the vehicle title and a " thank you '' letter again with no explanation of their attempt to modify the deductible requirement ( Doc XXXX ). Commerce Bank appears at best to be making arbitrary and capricious requirement changes and at worst discriminating against over XXXX age customers, females, or customers living in XXXX.
Product: Mortgage

when I purchased my home thru wells fargo in XX/XX/XXXX I was required to purchase flood insurance and it was required that it be included in escrow, This year XX/XX/XXXX I got contacted by my flood insurance company XXXX that wells fargo said they didn't escrow flood insurance and would not renew my policy on the renewal date I called wells Fargo and talked to the insurance department and was informed on recorded line that flood insurance was no longer required on my property and they were issuing a refund of extra escrow, i asked for a document stating this well fargo then called me back as a result of my inquiry and was told that i was required to have flood insurance and was sent a letter dated XX/XX/XXXX I had flood insurance and escrowed and they were to pay it, they let it lapse, and now I am without flood insurance since XX/XX/XXXX, I reported it to company and they are doing a internal investigation but will not give me names contact info or anything in writing regarding this mishap on their part they let my flood insurance lapse and get canceled, now they are telling me i must provide flood insurance
Product: Checking or savings account

Checking account with navy federal were charged numerous insufficient funds fee & overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. 

The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX  has since removed the information completely. However, XXXX XXXX AND Experian are still reporting this incorrect information. 

I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. Experian has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, Experian is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim.

I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. Experian shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.
Product: Mortgage

I have been pleading and sending letters to Rushmore to no avail. They just toss me around from their company to their investment company they represent. But the XXXX XXXX or XXXX XXXX tells me that I should be in touch with Rushmore. 
I have paid this company over 80K in the last 3 years that they took over my loan from XXXX, another crook of a company. I have paid every month to the various banks and lenders from the time I bought my house. I owe more today!!!! than I did 15 years ago. This is just preposterous. I am asking them to give me a lower balance or at least deduct the arrears. I am not even sure how these arrears have happened. Banks can not forever act to take people 's belongings. 

I need an answer sooner than later. Rushmore also gets terrible reviews.
Product: Credit reporting or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX RESIDENT VERIFY Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice I have faxed Early Warning both their form and a copy of my drivers license requesting my free report. The process started XX/XX/2020. I have also sent the company two emails via their very confusing electronic portal. Once they said the form was not signed however it was faxed two more times and was signed. After that I have not received a response or reply.
Product: Money transfer, virtual currency, or money service

My friend sent me a XXXX payment with her Chase mobile app with the amount of {$1700.00} USD. We are both using Chase bank. On her mobile app side, it shows the transaction is completed and was accepted on XX/XX/2024 On my side however, the transaction does not show up and I have not recieved the money. We have both called customer service numerous of times however no solution/action item has been given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to have an account by XXXX XXXX XXXX removed from my Equifax credit report. The company reporting the debt has provided AUD tracking number XXXX and confirmation from the Equifax XXXX tool that this account was removed from my credit report. Equifax has failed to remove to item and is the only CRA to not comply with the deletion request.
Product: Debt collection

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Debt or credit management

Dear sir, Subject : XXXX XXXX XXXX second review Claim. 
Previous number XXXX There was an unusual transaction on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. I contacted my bank ( Navy Federal credit union ) concerning the above subject. They refunded some of the money and they left some XXXX tourched and a few days ago, they sent a messaged to me that I have no claimed. I re-filed the claim again. Up till now I did not receive any feedback from the Navy Federal credit union. 
The transaction details are XX/XX/year>, : XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XX/XX/year> XXXX ) XXXX = XXXX XXXX ) XXXX = XXXX XXXX XXXX XXXX XXXX ) XXXX = XXXX XXXX oil XXXX X XXXX = XXXX dollars, this amount was refunded back to the account only XX/XX/year> XXXX XXXX & XXXXXXXX XXXX XXXX XXXXXXXX dolllars XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX dollars XXXX XXXX dollaes. 

I received the message below from XXXX XXXX credit unions and I was told to provide the following answer as below : 1 ) I believed my claim should be honored because there was unusual activities on my account, they used my debit card to ordered items XXXX times on XX/XX/year> which is not normal ( bank can look into my account statement ). 
XXXX ) My card was on my possession when the fraud occurred. 
XXXX ) i dont know how my card information was obtained because my debit card was on my possession. 
XXXX ) My debit card is not lost or stolen. I XXXX '' t know any person that did the fraud. 
XXXX ) I had never allow any one to use my debit card. 
XXXX ) I never received any merchandize from the marchant. 
XXXX ) I did not authorize anyone in the charge. 
thank you, XXXX XXXX XXXX Federal Response XX/XX/year> : Thank you for contacting XXXX XXXX regarding the Debit card fraud claim submitted on XXXX on your Debit card ending in XXXX for the amount of {$400.00}. Based on a thorough investigation of your account activity, we have determined that no error has occurred. 

I would be grateful if the investigation can be carried out as quickly as possible. 

with thanks and regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XX/XX/2023 from Golden One Credit Union offering me a Loan Modification due to me being laid off from my job in XX/XX/2023. 

I was told by their XXXX XXXX XXXX. to NOT MAKE MY XX/XX/XXXX payment and to follow the modification schedule and make my next payment on XX/XX/2023 for the amount of {$320.00}. I made that payment prior to XX/XX/XXXX and the payment was not reported to my credit report and my account did not show current. Instead XXXX XXXX decided to report my account 60 days past due. Even though I made my payments according to their modification schedule. 

Golden one has ruined my credit by reporting my Auto Account 60 days past due and they refuse to fix their mistakes. Since then I have made a {$650.00} payment to bring the account current and cancel their loan modification agreement. I would never agree to a loan modification if I knew they would continue to report my account delinquent while I'm making payments. 

This is violation of the Fair Credit Reporting Act and another example of banks abusing their powers with unfair and deceptive practices. My account was always current over the years until I was laid off due to a mass layoff by my employer in XXXX. That is the only reason I asked for help and they offered a modification agreement.
Product: Credit card

A balance transfer from my XXXX XXXX to Apple/Goldman Sachs was processed on XX/XX/XXXX for XXXX. The amount stated was never applied to my Apple card. I have submitted two disputes on said issue and received follow up emails from Apple ( XX/XX/XXXX and XX/XX/XXXX ) stating no error has occurred. I have identified that the transfer account number for Apple was off by 1 digit and informed the representatives of the problem on both disputes. Nothing has been resolved at this time and I continue to pay the interest on said amount to Apple so I can avoid a negative report to my credit.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Mailed off a report on XX/XX/2024 Stating inquiries did not belong on my report. 
Included fraud report and all. 

XX/XX/XXXX I received a stall letter saying that they needed to confirm my identity when my drivers license and bill were sent in confirming the same. 

They want until XX/XX/ to investigate. They legally have until XX/XX/- they are stalling and they have everything they need. They are not investigating and notorious for doing so!
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Experian, XXXX, XXXX and XXXXXXXX XXXX  violated HIPPA Laws and Rules. 
XXXX. Experian, XXXX, XXXX, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, Experian, XXXX, XXXX illegally accessed my frozen credit file for profit.
Product: Credit reporting or other personal consumer reports

The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, Transunion, and. XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I am filling an complaint against cashapp ( Block in ) due to indequate customer service and unfair practices, which Violates The Consumer Financial Protection Act ( CFPA ) specifically cashapp failed to take a timely and effective measures to prevent fraud and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore there disputea resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E.These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I filled out a report with XXXX XXXX for some fraudulent activities, mailed the report off and still havent heard a status or deletion from this CRA! This was mailed off to the CRA on XXXX
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. i ent a dispute regarding this account and inquiries why it's still reporting in my report? please delete XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX