23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

PNC sent the issued credit card that I applied for to a wrong address and I never received that credit card. There were XXXX over {$1200.00} fraud charges on the credit card. PNC told me that I am reliable for these fraud charges. 
On XXXX, 2015 I went to the PNC branch located in XXXX XXXX XXXX, XXXX XXXX, PA for XXXX things, ( 1 ) mailing the PIN for my PNC business debit card, ( 2 ) applying a PNC business credit card. About a week later I received the mailed PIN. But there was no any response from PNC about my credit card application. 
Around one month later ( in XXXX, 2015 ), I received a call from PNC when I was at the XXXX 's located in the XXXX, XXXX. A lady from PNC asked me to verify XXXX credit card transactions ( & gt ; {$1200.00} ) on the phone. These transactions were made using the credit card that was issued to me by PNC. I told her that I had n't received the credit card yet, how I could make a payment with it. I reported to her that were fraudulent charges. The lady then verified my address and told me that PNC had sent the credit card to the wrong address. She promised me to close the account and would issue me a new credit card. Meanwhile, she said that PNC would remove these XXXX statements from my credit card account. 
After I received and activated my new credit card, I logged in my online banking account and did see these XXXX fraudulent charges were removed. However I noticed these XXXX fraudulent charges were posted again in my PNC credit card account in XXXX XXXX. I called the customer service hotline right away for a few times. Each time I was given a different story. In my last call, the representative told me that PNC had done with the investigation and PNC had denied those over {$1200.00} charges as fraud charges. 
PNC sent the credit card to a wrong place and I never received it. Why am I reliable for these fraud charges? I enclosed my XXXX evidences of my address, XXXX is the envelope in which PNC sent PIN code in XXXX XXXX 2015. The other is the address of my business that printed out from XXXX.
Product: Credit reporting

I am disputing DOB information reported by EQUIFAX. I have disputed the information on my credit report now for almost two months every other day. I am asked to show identification documents so that EQUIFAX will change the information ; however, the documentation they ask for is used for IDENTITY THEFT purposes and I am a VICTIM. 
They will not REMOVE the DOB from the credit report and I have included a Consumer Statement indicating that the information they report is INCORRECT. 
I feel that the person who STOLE my identity is in touch with EQUIFAX by phone and the contact is the reason why the DOB has not been changed.
Product: Money transfer, virtual currency, or money service

Specifically on XX/XX/18 at XXXX XXXX I called Chase bank to cancel a ( {$1500.00} ) check I sent out to California the day prior, I spoke to a male representative and he read me the disclosure and told me it would be a {$30.00} charge to cancel the check. I gave him all the information he requested ex : amount and who would be trying to cash the check, the representative assured me everything was taken care of. On XX/XX/18 the check was cashed, I called Chase immediately and I spoke to ( 3 ) different representatives calling me a liar, they said I DIDN'T call and that everything is recorded. I finally was able to speak to someone that would be able to pull the phone call and after an hour of talking to their representatives she agreed and apologized, she let me know that I had done everything correct and that the representative never put a stop on the check and all I got as an I'm sorry. She also advised me to run to the nearest branch and fill out an NSSF-OD Form which I did, it got denied because it was cashed 1 business day ago. This is completely unacceptable and I can not believe they are not trying to help me after their employees made such a terrible mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was deleted and its should not be on my credit report I am requesting that it be removed permanently wiped off my credit bureau report with XXXX XXXX and XXXX. I have proof that this account was deleted and now theres a duplicate that I would like deleted from all 3 major credit bureaus.
Product: Credit reporting or other personal consumer reports

Please remove all unauthorized hard inquiries from my credit report. These are inaccurate and violate 15 USC 16c-2, negatively affecting my credit. Thank you.
Product: Prepaid card

This complaint is for Netspend. I placed a charge for {$1000.00} for a XXXX XXXX XXXX on XX/XX/23 at XXXX pm through XXXX XXXX and XXXX says they have refunded the amount of {$1000.00} and they both say that Netspend is holding the funds. I have spoken to netspend and sent in the necessary documents and information. Netspend will not release my refund back to me as is due to me. Every time, I call back, netspend says something different. I need help to get my money ( {$1000.00} ) refunded back to my account. 

If I dont get my money back, I will contacting a lawyer.
Product: Debt collection

I disputed an alleged debt of {$42.00} reported on my XXXX credit report by MarJoe Enterprises. They " verified '' the debt belonged to me. I then sent a letter to MarJoe Enterprises disputing the validity of the debt. They did not respond within 30 days, and still have not responded to validate the debt. I disputed the debt again with XXXX submitting proof that I had sent a letter to MarJoe Enterprises with a return receipt and that they had not validated the debt. XXXX again " verified '' the debt was mine. 

MarJoe Enterprises has not validated this debt with me. They've refused to respond to my inquiry. They are obviously a bad actor and should be banned from debt collection due to their inability to follow the law.
Product: Debt collection

Hello, I 'm not sure if I selected the correct category to describe what I 'm going through but I had to select something. I attended a cosmetology school from XXXX. When I approved on their end and now I have to wait on an approval from the dpt of ed. I first went to the school for information on joining I did n't have a high school diploma. I was told by XXXX of the staff members that I can quickly get a high school diploma at XXXX XXXX school online. I took all information I needed to get enrolled, went home and got the diploma online and all other documents I needed then went and enrolled in the school which was then called " The Academy of Hair Design ''. The school was all out of whack, they did n't have any steady teachers in fact had me teaching the students how to braid hair. It was crazy and due to the fact that that school could n't benefit me and me losing my baby sitter I left after a few months in. I felt that we were n't learning anything at that time. So all of these years later I am thinking I have a high school diploma. Well recently, I have been inquiring about going back to school only to find out that my diploma is a FAKE diploma and the school XXXX XXXX XXXX was shut down for selling fake diplomas and doing fraud. I immediately went online to get the contact info for XXXX XXXX XXXX design to only find out that school was shut down and is now operation under a different name " XXXX XXXX XXXX ''. So I am now crushed to the bone because I have a FAKE diploma and now need to go get a GED mean while my oldest son will be graduating high school soon ( I 'm embarrassed ), and also both schools are shut down on me. So I 'm in a lose- lose situation. I should not be liable for this debt as I was tricked into getting it by both parties and I now have to start from scratch as a mom with XXXX kids and get a GED. These student loans have been haunting me for 9 years and I did n't even get anything out of it but a fraud high school diploma that is now trash. How can I tell my children that I do n't have a diploma when I 'm constantly on their backs about school. It 's so embarrassing and causing me XXXX. I filed for an " Ability to benefit claim '' with Navient. I called Navient and they told me it was approved by them and it 's now awaiting approval from dpt of ed. I called the XXXX of XXXX several times as I am trying to enroll in a GED program for XXXX but I need to get this situated. Dpt of ed is telling me they do n't have my file. I am lost, depressed, stressed, embarrassed, frustrated and just want these fake student loans deleted out of my and off of my credit reports so I can start over!! PLEASE SOME ONE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$750.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts of student loans that are showing up on my account. These loans have been settled, refinanced, and or are currently in negotiation. This credit bureau refuses to report accurate information about my account and remove the accounts but continues to report false and inaccurate information. i have been fighting since 2019 with little or no changes The following accounts are in question US DEPT ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed recently on a credit report included with my apartment application that in XXXX XXXX, there was a hard inquiry for an auto loan by XXXX. I called XXXX and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update Experian because they said that since there were no records on file, I would have to call experian directly. On XXXX XXXX, I called Experian to dispute this, and they refused to dispute it or to investigate or to call XXXX. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call XXXX again. After this long argument about how he could not and would not investigate, I called XXXX XXXX back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that XXXX  takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.
Product: Checking or savings account

Since the day I opened the PNC bank account - I am facing issues. 
1. They blocked my outgoing ACH transfer for no good reasons.

2. They are asking me to give them a call and have the account number handy.

3. when i tried to get the account number, they ask to provide the mobile phone number. When i am doing that they have an issue with that also. 
4. Secure message center is not working I would like PNC to communicate to me via email or mail. I called them upon and their menu based system is so confusing and troublesome in order to not let the customer talk to the banker or customer service. 

Why they want to hide the routing number and account number especially when the bank account has a promotion for direct deposit? Can't they understand that we are in the midst of pandemic and nobody want to step out and risk their life? 

I am a legal XX/XX/XXXX and living in USA since 2005 and having the credit score of more than XXXX - even then this bank is giving me such a tough time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have attempted to resolve this dispute with Westlake Financial Services Inc, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below XXXX now. I submitted an FTC Identity theft report and police report to Westlake Financial Services over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by West Lake Financial as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Savings Bank Keep putting incorrect payment and lack of payment information on credit report. USAA also is placing incorrect addresses on statements. I would like my accounts to reflect currently. This is hurting my credit score as I attempt to buy a home.
Product: Credit card

I recently applied for credit less than 30 days from the date of this communication. I was denied. This denial is discrimination. Regardless of the reason for denial, I have the right to access credit, especially my credit. It is especially disturbing if my application is being used as a security for company 's benefit and not mine. Withholding access is fraudulent, according to Equal Credit Opportunity Act & Consumer Protection Act. I simply ask that they retract my application or reconsider this denial and make available my credit. I have been with company for over 5 years and they are utilizing my credits with absolutely no benefit to me
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX I deposited XXXX dollars onto my chime prepaid card. I used XXXX dollars for a XXXX than put another XXXX dollars on the chime card and caught another XXXX to where I had to pay my rent. Upon trying to withdraw money, I was iMmediately logged out from my chime account and told that my account was closed due to security reasons they couldnt disclose. Ive sent many emails to the support team being as though thats the only way to contact them. This was my very first time using my chime prepaid card and they are telling me they have to investigate the XXXX dollars thats on the account. Theyre not telling me anything about compensation and I desperately need help I am not rich. That money was part of my rent money and Im looking to sue for emotional distress as well as theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from XXXX, XXXX, and TransUnion. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from my credit report.
Product: Credit card

( Update ) Very alarming behaviour by Chime. Reffering to previous complaint. 

This is not a duplicate complaint. 

I am rquesting more documentation. The CFPB has approved me to open an additional complaint and request documentation. Chime has failed yet to provide any solid documentation they say is " compelling '' I am requesting this compelling information from Chime and the merchant XXXX. In the previous complaint with the XXXX XXXX XXXX  as well as the CFPB I did request this information. I believe chime to be misleading. Also misleading government agencies as well as consumers. I am asking Chime to re-open my case ( Update XXXX    ) I thank the CFPB for allowing me to add this additional information. 

Chime sent some documentation that is very alarming and I believe alarming to any consumer or government agency. They sent 3 documents to my E- Mail.

1 Intake. This is just me discussing the case.

2 Intake. It's just a picture of the back if my I.D .

3 Intake This is the most alarming of all. They blacked out information!. They blacked out the case number. They blacked out the merchant response. Blacked out merchant REF, ARN and Control number. 

This is just unbelievable. They don't even have the name of the merchant. Chime did no investigation. I believe they are commiting fraud and purposely not refunding customers on any dispute.
Product: Debt collection

This is my 2nd time sending this complaint over .... You all responded the first time saying that you all are aware that i paid my balance in full and have reported that to the credit bureau after my account was closed on XX/XX/2023 .... Well my account was paid in full and closed in XX/XX/2023 and it was removed from my credit report in XX/XX/2023! so how did a NEW account get opened under my name with a balance and placed on my credit report? i never requested that nor did i give my permission to Flex to open up an account under my name! that is fraud!!!! As you can see YOUR agent confirmed that my account was paid and closed by the collections department in XXXX! how after a couple of months did you open it again? and why? Look at the attachments!!! look at the dates!!!! these are your agents confirming my full payments and account closure!! now you are saying it somehow was reopened with a whole new balance? This is unacceptable! Since you are pretending that you are not understanding what i am saying to you all via email ( since that is the only way to communicate with you all ) lets see if you understand a lawsuit!! I should not have to suffer due to you all creating false accounts under my name and attempting to play on my words. That may work for CFPB but that doesnt work on me! you all created a false duplicate account under my name! and your agent confirmed it via email!!!!
Product: Debt collection

My husband entered into an agreement in XX/XX/2019 with Freedom Debt Relief and it's been a disaster since the beginning. The first debt they settled had issues with XXXX saying they didn't get the full amount promised in the settlement and we had to go back and forth with FDR. Then, the second card for XXXX XXXX XXXX just recently settled and it's basically the amount we are depositing to FDR each month so that leaves the last one XXXX out of luck basically unless we deposit between {$300.00} - {$500.00} extra per month. We were served a lawsuit by XXXX about a month after the initial date on the papers and now are being represented by a law firm in OK. We sent all the signed papers back right away and never heard anything from them I had to reach out to ask what is going on. It's been a back and forth. FDR has been absolutely horrible. I filed a complaint with the Attorney General 's office as well and they just responded with of course they have done nothing wrong. Along the way, they tried to get us to do a consolidation loan with them since I'm sure they realize the plan isn't going to work the way they sold it for the amount of money they told us we'd have to pay. Bottom line we were told to pay {$310.00} a month for 4 years and your debt will be paid. This is not true. They are a total and complete rip-off and are deceiving consumers right and left. I see there were multiple class-action suits and they just pay millions of dollars and continue doing what they were doing. It's shameful. I working with the attorney they appointed who is also no great shakes mind you and hoping to settle that debt directly with XXXX outside FDR. Then contact XXXX XXXX XXXX  and try to pull that out of the program as well. Then I want to sue FDR to get any fees we paid to them back and a sum of money for the emotional stress this has caused my husband and myself. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported inaccuracies on my credit report. I've requested the inaccurate information to be removed. The credit bureau has not provided any verified or factual information to me as to why the inaccurate information is remaining on my credit report. XXXX  XXXX XXXX : Account # XXXX Inaccurate information reported. This account should be removed from my report. 
XXXX-XXXX  : Account # : XXXX XXXX information reported. This account should be removed from my report. 
XXXX XXXX XXXX : Account # : XXXX Inaccurate information reported. This account should be removed from my report. 
XXXX XXXX XXXX  XXXX : Account # : XXXX Inaccurate information reported. This account was paid in full and voluntarily closed by me. It was not late.
Product: Vehicle loan or lease

WESTLAKE FINANCIAL WESTLAKE PORTFOLIO MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inaccurate reporting and or misleading information on consumers credit report Overview You have 100 % left to pay on this loan. 

Balance {$0.00} Highest Balance No Info Monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term 29 months Payment History Youve made 88 % of payments for this account on time. 

Payment history table, broken down by month J F M A M J J A S O N D XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Paid Type Auto Responsibility Individual Account. 
Remarks Account paid for less than full balance Paid charge off Times 30/60/90XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX This company inaccurately reporting to credit bureaus Double inaccurate entries of account not mine WESTLAKE FINANCIAL Reported : XXXX XXXX, XXXX Overview You have 100 % left to pay on this loan. 

Balance {$0.00} Highest Balance No Info Monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term 12 months Payment History Youve made 97 % of payments for this account on time. 

Payment history table, broken down by month J F M A M J J A S O N D XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Transferred Type Unsecured Responsibility Individual Account. 
Remarks Charged off account Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX This information is inaccurate reporting and misleading information of consumer accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home 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