23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have 3 NCAC accounts being reported on all 3 of my credit reports, and have been trying to access my account online at NCAC ( national credit audit corporation ) and can only log on to see one of these accounts for which the reported address for me is inaccurate. The online settlement pay off offer is lower than what I was offered via email from an XXXX XXXX. I was told that they could not be corrected to allow me to see what is owed online. This makes no sense. Its like they dont want me to be able to see what is or isnt there. 
I also feel as though they are not being honest, as I was told by XXXX that she would have to call the original company to seek approval of a lower settlement amount. These accounts were sent and purchased my NCAC over 4 years ago. 

This is prohibiting me from renting an apartment and I will soon be homeless if this cant be addressed timely due to my current lease terminating on XX/XX/22. 

The only account I can get online access to is # XXXX. Account # s XXXX and XXXX do not pull up when I enter the required account # and last 4 of my social security #.
Product: Debt collection

In XX/XX/2014 I went to a medical Lab for XXXX XXXX. I gave the tech my medical card. This was the second time I had been there approximately a week prior so my medicaid card was in the system. I later received a bill. I went back to the lab and explained to the same Tech that my bill needed to be sent to XXXX for billing. The Tech stated she would do so. As I received bills I called XXXX  and they said they have no record of my information but it was sent to a collection agency.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed incorrect and inaccurate information causing tremendous damage to my credit report.
Product: Bank account or service

On or about XXXX/XXXX/15 PNC Bank charged our account an overdraft fee when there was ample money available to cover the check in question. I was told that a " debit transaction '' was on " hold '' and that was the reason for this particular charge. I would think that a " debit transaction '' would post quicker than a check payment and automatically withdrawn from the available funds. Eventually that is not the case with this bank. This action plus the fact that PNC Bank continued to add additional fees basically making it impossible to get caught up. They would continue to redeposit checks over and over and now they are claiming our account is negative - {$430.00}. We received a letter from them dated XXXX/XXXX/15 stating that we are going to be reported to XXXX. The fees they are seeking are due to there handling ( holding debits ) against the account causing checks to bounce is intentional and a way for the Bank to take a persons hard earned money.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

Resurgent Capital Services LP, a debt collector, was timely notified within 30 days of attempted debt collection of the dispute in the amount of {$1000.00}. That notification date was XX/XX/XXXX. The issue involves one transaction of {$610.00} in XX/XX/XXXX where XXXX, XXXX never resolved the dispute with the merchant nor the XXXX XXXX. They just added interest and penalties while the matter was still in dispute, bringing the account to {$1000.00}. The account was sequentially sold by XXXXXXXX XXXX  to XXXX XXXX XXXX. We stated in our dispute letter to Resurgent Capital Services LP on XX/XX/XXXX that we disputed the original transaction and the charges for interest and penalties that XXXXXXXX XXXX added while the matter was still in dispute. 
Subsequent to XX/XX/XXXX, Resurgent Capital Services LP has used pseudo debt collection companies like XXXX XXXX and XXXX XXXX XXXX and has also used multiple addresses in their letters. All these related entities were also sent timely written letters within 30 days of attempted debt collection of the disputed amount. Our written responses were sent to all the multiple address that Resurgent Capital Services LP employed in their debt collection letters. We continue to be harassed by the repetitive annoying debt collection form letters from Resurgent Capital services LP and multiple addresses that they have employed, all of which we have timely disputed within 30 days in writing. Our postage has cost {$6.00} for each certified return receipt plus our time and effort to respond to these multiple letters. We consider this ongoing repetitive behavior by Resurgent Capital Services LC harassment, because they have been told multiple times not to contact us again. ( See copies attached of the certified, return receipt written letters for our timely responses. )
Product: Checking or savings account

I've been trying to close my account with BBVA for weeks after they announced their new predatory fee models. They disabled their support system entirely and are unreachable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were about {$7100.00} in fraudulent charges on my XXXX credit card which XXXX did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 XXXX said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!
Product: Credit card or prepaid card

XXXX sold a defective product that was falsely advertised with respecting to the listing on XXXX 's page. Then, XXXX took the following actions : XXXX. XXXX 's customer service agent XXXX promised that the refund would be processed for this item to the original form of payment. " Please don't worry. '' " You will get the refund. '' " In your original payment method. '' 2. The website also assured that the " refund has been issued '' and that " A refund will appear on [ my ] bank account or credit card statement within the next 7 days. '' None was received on my Fidelity credit card statement. Please note that these two pieces of evidence of Amazon 's actions towards to the customer were submitted as evidence at the beginning of the Fidelity dispute investigation process and have also been attached here to this CFPB complain.

I then contacted Fidelity, who was negligent in investigating the case. Fidelity sided with the merchant citing the merchant 's return policy. Per that described above, the merchant deliberately prevented the customer from following the merchant 's return policy by lying to the customer, which was communicated to Fidelity multiple times. Fidelity was provided all of this documentation but was negligent in investigating the claim and, in fact, incorrectly investigated the claim. Moreover, the Fidelity case processor working on the case did not return callback requests that their customer service agents had put in for the case processor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown   XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my Chase credit card. I called the merchant and they were shocked. They immediately processed a return. I then called Chase and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet Chase still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX  app and the Chase Credit Journey tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called Chase to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, Chase is just updating the current balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$19000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a request for debt validation with my original contract and wet ink signature for accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The account was opened on on the bank of america website for new accounts advertises a XXXX dollar credit for new accounts. 

I was provided XXXX of the credit. When calling about it they refused and said it's or checking and savings accounts. When i told her that's not true the story changed and she stated ohh the dates are different. 

When i proved that's also not true the story changed again and was told ohh you offered XXXX and new accounts from XXXX are XXXX. 
When i told her that's not true she said ohh the website is incorrect and it should be XXXX.
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called you guys back and left a voicemail since you guys been trying to called me and yes i did left you guys a voicemail, and i'm not sure why This credit card company isn't calling me back anymore when i'm trying to reach out to you guys ... ... and now they are re charging these frad transaction back to my account and when it clearly stated that we as a customer shouldn't be responsible for these transaction but usaa aren't doing their job!! USAA needs to keep their word and do a better job, who ever handling this situation isn't doing a good job. nobody should bank with this company if they are acting like this ...
Product: Credit card

I took out a debt consolidation loan from XXXX XXXX XXXX to pay off numerous credit card balances that I had. One of these balances was my PNC VISA Card ending in XXXX. PNC received a check from XXXX XXXX XXXX for {$3500.00} and cashed it in early XXXX. I received a notice a few weeks later that my payment was overdue. I checked my account balance for XXXX and the {$3500.00} payment was never applied. XXXX XXXX XXXX confirmed that PNC did cash the check, and I have attached that to this complaint.
Product: Credit card or prepaid card

i had a hard inquiry. I would like to remove the hard inquiry i didnt apply for on my report with XXXX XXXX.
Product: Credit card or prepaid card

Its a dispute in the amount of XXXX. The company I purchased services from hasnt lived up to their end of the bargin. They provided outdated info and didnt provide a specific discount with XXXX that was promised. I contacted Capital One and opened a dispute. They issued 2 temporary credits. I sent in the requested documents Immediately then they said I failed to send in an expert opinion they requested so they closed the dispute. They never asked me for an expert opinion and are refusing to reopen the case even after I gave them info that XXXX XXXX  is deceptive .CAPITAL ONE HAD NO RIGHT TO STONEWALL ME .THEY PROVIDED NO ASSISTANCE.
Product: Checking or savings account

On XX/XX/2020, I attempted to add money into my Serve checking account. ( it's a checking account which receives my direct deposit from my work and has an associated debit card attached to it. However, it failed. 

I then tried to log into my account that day, and I was not able to log into my serve account or any of my other accounts with Serve and Bluebird. 

I have a total of 6 accounts with American express Serve/Bluebird, all of which I am unable to currently access. 

I called their customer service line on XX/XX/XXXX and XX/XX/XXXX asking what's going on, and they said that my account has been suspended for suspicious activity. They then said they would forward my inquiry up to their security team to review the issue. 

However, I just called again on XX/XX/XXXX, and they are unable to provide my any details on why my account was suspended and what I need to do to unsuspend my account. They said that I would need to send mail to XXXX XXXX  XXXX XXXX Georgia XXXX. But did not give me any instructions on what I need to do. They Since I have my checking account there, it's critical that I have access to my paycheck.. I have tried calling them multiple times and they only give me the work around.
Product: Money transfer, virtual currency, or money service

On or about XXXX XXXX, XXXX, I was in search of a XXXX XXXX for my grandson. I located one on " XXXX. '' I contacted the gentleman, " XXXX, '' who said he had one for sale. He stated he was located in New Jersey and the price was {$110.00} dollars. This sounded like a great deal and asked how I should pay for it. He stated " Cash App '' would be best for him. I did not have any money on my Cash App so I needed to go to the bank and get it and place it on my card, which I did. I then forwarded it to XXXX, '' and he stated, Thank you, he just received it, and was going to the post office right then to ship it out. He said he would contact me as soon as he had shipped it out. I heard nothing from him again. I went to the XXXX XXXX site and was unable to locate the transaction. It had been removed. I was unable to reach this man or woman, which ever the case may be. It seemed I had been scammed. Shortly thereafter, I can not remember the date, I contacted Cash app to see what they could do for me. They informed me that there wasn't anything they could do since I had sent him the money. I do not remember the date of this call nor do I remember the exact words they used verbatim, however this is what it boiled down to. NOTHING they could do for me. About a month ago, I went to cash app and my account reflected that transaction as processed and paid. This morning, I looked it up again and everything regarding that transaction had changed. It now says transaction " failed '' for both charges, one for {$110.00} andone for {$25.00}. The {$25.00} supposedly for a service fee for something I had no knowledge of. I pulled up my XX/XX/year> statement and it was not even mentioned on it. I have taken pictures of the paperwork available to me and am enclosing it. I wish I could provide you a XXXX XXXX proof of transaction, however it is not longer posted to my account. When I pulled up my XX/XX/year> XXXX, the transaction are not even listed on it any longer. No trace of it except in another area, it stated that I " cancelled the transactions which I did not.They did that. Should you have further questions please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : US Dept of ED XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I purchased a debit card and put {$400.00} on it. I have been on your web site for 3 hours trying to register my card on you web site!!! Your web site keeps telling me to try again, again and again. I am truly frustated!!!!!! I have NEVER BEEN ON SUCH A XXXX WEB SITE!!!! HELP!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also doing this on my own behalf. DPT ED/XXXX, U S DEPT OF EDXXXX, XXXX, US DEP ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AN ACCOUNT WITH NO NAME ENDING ACCT # XXXX. There are also inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was flagged for fraudulent membership. Once I provided proof if everything they still have not taken the restrictions off my account. I have not been able to access my money this month and I need it. I need to eat my fur babies need to eat and still I don't have my money
Product: Checking or savings account

Chase Bank closed my account in XXXX last year. I updated my mailing address before the closure, but they still mailed the check to my prior address without noticing me. 
When I was back in XXXX this XXXX, I asked them several times in the offline branches ; someone finally told me that since my check had not been withdrawn, it had been invalid. 

On XX/XX/year>, I updated my new address again, and the bank said the new check would be mailed out within 7-10 business days. However, 15 business days have passed, and I still haven't received a check from Chase Bank.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have notice some unauthorized accounts and inquiries on my credit file that I demand to be blocked and removed immediately. I am providing all requests supporting documents to support my claim. 
TRANSUNION : : 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
Product: Credit card

I completely paid off the balance shown and closed the account on XX/XX/XXXX. According to their customer service, a {$2.00} late fee was charged to the account after I already paid off the entire balance shown. Due to paperless statements in order to see this I would have had to logon to the account to see this new charge. Since I closed the account I never thought to go look for charges after the fact. Therefore more late fees got charged on top of the {$2.00}. I did not realize this till now when it is at {$6.00}. They refused to take the charges off the account even though I would have never known this charge was accumulating after I paid off the account and closed it. This is ridiculous. Once an account is paid and closed there should not be more charges added. The {$2.00} late fee should have been included in the balance when I went to pay off the account.
Product: Credit reporting or other personal consumer reports

I have found inaccurate information on my credit report. I disputed the items and it was not fixed.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I ordered cable service thru XXXX XXXX XXXX (XXXX) and canceled the service in less than 5 business days. At the time the XXXX service was ordered, XXXX advertise no charges if service canceled within 30 days. I spoke with a XXXX representative back in XX/XX/XXXX who assured me that my balance was XXXX, thereafter on XX/XX/XXXX I received a letter from The CBE Group stating they are attempting to collect a debt in the amount of $XXXX. They have reported this false debt to the credit bureaus. The CBE Group stated that in order to cancel the debt I will need a letter from XXXX XXXX XXXX. I was on the phone for an hour with a representative at XXXX XXXX XXXX {XXXX  ID#:
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX