23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX requested removal of over draft service that caused fees. Fees were removed and I was told that service was no longer on my account. 
Moving forward the Now there are fees and the service was not removed. 
But the incurred fees were not removed although it was not suppose to be on my account. 

Spoke to XXXX : It was not clear on what needed to happen or what I was waiting for but was told someone will get back to me within XXXX XXXX was helpful to file a Compliant that Ibhave not heard anything back about Compliant # XXXX Case Number # XXXX Reference Document # XXXX
Product: Checking or savings account

On XX/XX/XXXX, Bank of America has sent me an alert on my phone saying my debit card was blocked at a XXXX, i informed them that I did not authorize any transactions, they declined my card XXXX  times but XXXX XXXX they allowed the charges to go through, with this alert is when I have realized that my card had been lost, I have open the dispute, the card was used on the same spot where i had them blocking XXXX other transactions, being just the first out of the XXXX going through, again, at the same store. They have refunded me an extra {$10.00} that was spent prior to the one at XXXX in the amount of {$130.00}. I have been their client since XXXX, and they have sent me a letter saying that I have lost the dispute, why would they refund me the transaction done prior to that one, block the other XXXX at the same place and not refund me on the first one?
Product: Checking or savings account

XX/XX/2020,, Continued Issues,, Just Heard About The ( BIG ) Matter About Mr XXXX,, Ceo,, of Wells Fargo Bank,, Even If He Did Make This Very,, BAD, ) Comment This Can't Change He Meant What He Said,, And It Is Very UnAcceptable Behavior At This Company,, I'm A Loyal Customer At This Company,,,, So I Feel So Upset About This Matter,, He Too Should Be Fired,, ASAP,, This Is Not Forgiving At All,, He Really Makes The Company,, MESSY,, Too,, ( Quote,,, What Kind Of Business Is This,,? What Matter Is He Said It, and This Can't Be Taken Back At All,, What Is The President Saying About This Problem???
Product: Debt collection

Paragon has besmirched my credit as they are attempting to collect for a hospital. In the CFPB Complaint # XXXX dated over a month ago, they stated that they would provide me with an ITEMIZED hospital bill for me to peruse. They said that they would and one month later, they have NOT done so. Please remove this unfavorable credit blotch from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I file a dispute with XXXX Equifax and XXXX my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I placed an order with XXXX  around XXXX of 2022. I called XXXX XXXX to dispute the charge on the XXXX of that month because I never received my items and the order was {$2100.00}. Ever since, I have been in a 6 month long dispute and the bank just recently closed my case, ruling that I had been denied. I also got a chargeback from XXXX  somewhere in between these 6 months but was able to dispute that and win that case. My case was taken to VISA arbitration and only till now have they come to a conclusion. However, I still need a refund for the items that never arrived so please help me get my money back. XXXX XXXX has not been very helpful with my case and has dragged it out for almost 6 months. XXXX XXXX even claimed that they were waiting for the merchant to respond back after having already contacted them. They said they contacted XXXX  and waited the appropriate amount of days, in which the merchant did not respond but XXXX XXXX still contacted XXXX  again. But according to XXXX XXXX 's claims policies, if the merchant does not respond within the given days of initial contact, the case is closed and the customer ( me ) would win the dispute. However, as I was calling XXXX XXXX to check on the progress of my claim, they alerted me that they have contacted XXXX  again for a second time claiming that they're still waiting for their response.
Product: Debt collection

Portfolio Recovery Associates, LLC has refused to settled my debt. I paid my debt off on XX/XX/XXXX. I was served paper work for small claims court on XX/XX/XXXX. I called Portfolio Recovery Associates immediately on XX/XX/XXXX after receiving the papers. They assured me that the debt was paid in full and that they would notify the legal department and that they would send me a letter of pay off. Portfolio Recovery Associates told me to attend the court date and show the letter of payoff. I attended court to find out that the attorneys paperwork showed I still owed a balance. Another court date was given to me to be at for the same matter. The attorney directed me to call XXXX ( Portfolio Recovery Associates ) to take care of the matter. I got the run around again. 


Portfolio Recovery Associates LLC has repeatedly refused to mark the debt as paid for the courts. Court documents reveal that PRA, LLC has had the payment information on the pay off since XX/XX/XXXX. Repeated calls to mark the debt as settled have been ignored. 

Portfolio Recovery Associates LLC has needlessly damaged my credit, willfully ignored our requests and demanded payment AFTER the payoff. PRA LLC has harassed and refused to work with us. On the phone they say they will assist us, but there is never any follow up. The attorney for PRA LLC at the hearing showed a balance on the account. This PROVES that PRA LLC did not follow through.

Our credit has been damaged by PRA LLC and we need to be made whole while alerting honest citizens to their dishonest and ugly collection tactics.
Product: Checking or savings account

PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received. See attached article regarding XXXX founders, XXXX XXXX and XXXX XXXX, committing fraud via their app ( over {$1.00} XXXX dollars worth ). PNC has until XX/XX/2023 to credit the {$2100.00} back to my account, or everything will go dark sporadically until the money I was scammed out of has ALL been returned to my account. 
THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.
Product: Credit card

This company onemain did a hard inquiry on my credit on XX/XX/year>, I don't know who that company is because of that I lost almost XXXX points. Please help
Product: Credit card or prepaid card

Bought a Visa giftcard and it was compromised. The numbers were erased from the front when I opened the package and magnetic stripe was demagnetized.
Product: Checking or savings account

Opened new checking account XX/XX/18 and did {$500.00} direct deposit on XX/XX/18. Promo I was supposed to receive was get {$200.00} for opening account and completing 1 direct deposit of {$500.00}. I have not received the bonus so far.
Product: Checking or savings account

I am writing to file a formal complaint against Navy Federal for I have received multiple overdrafts fees on my checking account. This issue applies to recent XXXX findings against Navy Federal. I think that it is unfair that my account has suffered and want this to be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB Complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00} - You are reporting different information from other bureaus. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} - You are presenting data that is distinct from that of other bureaus. I always make my payments on schedule and this account has never been late. At your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate.
Product: Credit reporting or other personal consumer reports

I got a phone call from XXXX on Saturday morning saying they were the CFPB calling on behalf of XXXX  XXXX XXXX where someone tried to open a credit card in California ( I live in another state ) using my name. He read the correct last XXXX of my Social number and my birthdate to me. I was suspicious and hung up. He called back on XXXX. He said he would remove the XXXX XXXX XXXXXXXX XXXX XXXX from my Transunion credit report and put a free " life lock '' on my Social Security number on my credit report and he also gave me a CASE ID #. I asked what that meant and he said whenever anyone tries to open a credit card with my Social, I will get a phone call. I again asked if this is free and he said yes. ( I suspect that I have unwillingly signed up for a credit monitoring service that I will have to cancel. ) He also said he was looking at my credit report and saw that I had several credit cards that were at their limit and delinquent. I said " yes there are ''. Then he said there is a 0 % debt settlement offer and did I want to hear it. I said " No ''. ( I think this is the real reason for the call. ) After the call I looked up both numbers on the internet and saw they were both ROBO Call numbers. I also looked to see if the CFPB will ever call me and I saw your answer saying " NO, the CFPB will never call you. '' I did not give any personal info. to this guy but he ALREADY had some of my personal info. I think that the most he gained from this call is that I am a living person and that my phone number is really mine. 
One last thing, I saw in my email that a few hours before this call Transunion sent me an offer for credit monitoring services for a fee. 
I do not know if this is related to this call or not.
Product: Credit card or prepaid card

Citibank has been sending me a late payment statement even though I pay my Bill. Sometimes they send it with my Bill.. I have called them several times and am told I did not pay my entire Bill. I called the home office and am told the bills are correct. I even paid almost double my bill at one point and still got overdue notice. This month ( XXXX ) I once again I got an over due notice after paying my bill. I have started recording conversations CitiBank employees.
Product: Debt collection

Midland Credit Management - I've repeatedly asked that this debt be removed from all credit agencies, as I do not know of this account. They continue to report and defame my name and credit worthiness causing serious personal harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus about Capital One accounts showing on my credit report and I got verification that those two credit cards were to be removed because they were found to be fraudulent and I am not held responsible. I got documentation from Capital One in the mail XX/XX/XXXX and even though it says those accounts were removed from my credit history they still show up as hard inquiries in my credit report and I would like to have those hard inquiries removed and so far they have yet to do that. 
Also XXXX XXXX is on my credit report stating that I owe them more than {$2000.00} and I have already spoken with them and they are currently waiting on a police report which I will be picking up XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX I filed bankruptcy in XXXX and I should not have any credit cards or loans appearing in my credit history nor should I have hard inquiries for these. Also my name has not been XXXX for quite some time my last name is XXXX. As for XXXX XXXX they had my address age and income wrong. I have not worked for more than a year because I filed a XXXX claim.
Product: Debt collection

I received a call from XXXX XXXX at XXXX regarding a debt that I supposedly owed from Wells Fargo. She stated that the debt was in XX/XX/XXXX and was the amount of approximately {$790.00}. XXXX XXXX did not state which firm she represented but threatened to send the police after me. Furthermore, I have no recollection of an overdraft debt owed. I have been a customer of Wells Fargo since prior to XX/XX/XXXX with bank accounts that they could have levied should a debt have been owed. I was never notified of said debt, no collection attempts have been made, and there is no proof that I owed the debt. I and my wife attempted to tell XXXX XXXX this and that we were concerned that if there was a true debt that it was not mine as we had never been notified. XXXX XXXX hung up on my wife and ( again ) threatened to send the police after me. I am concerned that if this debt is valid, that Wells Fargo did not follow Fair Debt Collection Practices and furthermore that the threats made by this attorney are harassing and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # 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 instructions
Product: Student loan

Navient is refusing to work with me to lower my student loan interest rate on a permanent basis. They have refused to send me the terms of a 1 year program that lowers the rate by only 2 %. The Principle balance of my loan has more then doubled. I also believe they are outside the statute of limitations. Over the past 10 years they have called me multiple times sometimes more then XXXX times a day. They told me to move into a smaller house and do something to improve my situation. I have XXXX and work my hardest to pay for my loans - their reps belittle me and make me so upset I go home and cry. I can not take this anymore.
Product: Checking or savings account

PNC Bank merchant services has given me a great deal of difficulty and adding a different bank to deposit my payments for my business. PNC banks merchant services will not accept the documentation from a national bank, even though it reached the checklist that they have given me the one thing that is missing is a signed document from that bank, but it is the policy of the other bank not to have bank employees draft their own form letters and signed them so that Bank has been more than accommodating by providing additional documentation Unemploy, phone number and name This is resulted in PNC keeping or having the payments from customers go back to the customers and me as a business owner using PNC marching services to lose out on payments. I dont know how to go around because Im stuck. There is no other way around this bank policy and PNC is uncompromising in allowing me to provide anything else to show that I am the actual customer and that the bank is an actual legitimate bank, the other bank is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I have been a victim of a data breach and identity theft. 
Fraudulent accounts and unauthorized inquiries have been identified on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be immediately blocked and permanently deleted from my credit file : Fraudulent Accounts : 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 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  List all additional inquiries here as needed, continuing the numbering for clarity. ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

I am writing to dispute a debt that I believe is invalid. I had job loss insurance on the credit card account associated with this debt. I lost my job prior to the COVID-19 pandemic and immediately notified all my credit card companies, including the original creditor for this debt, of my job loss and the existence of this coverage.

I was assured by the original creditor that the appropriate steps would be taken to resolve the debt under the terms of my job loss insurance. I provided documentation proving my unemployment at their request. Despite this, the debt remains outstanding. 

I have made repeated attempts to resolve this issue with both the original creditor and your company, the current debt holder. Unfortunately, these attempts have been unsuccessful. Specifically, I requested a copy of my original contract, which would clearly demonstrate the job loss insurance coverage I had paid for over several years. Both the original creditor and your company have refused to provide this documentation. 

I believe this debt should be closed due to the job loss insurance coverage in place at the time of my unemployment. I am requesting that you investigate this matter thoroughly, provide me with the requested contract, and cease collection activities immediately. I am prepared to provide further documentation if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and talked to them about this matter. They agreed to REPAIR and UPDATE my accounts to positive. So please update and correct my accounts right away. 

XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ....
Product: Debt collection

I called XXXX XXXX, kept speaking over me and called me a liar twice leaving me feeling harassed. I reached out to him, not the other way around. 

Pinnacle Recovery Inc ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX