23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, PNC bank asked me to open their rewards Visa credit card. They told me if I open account and spend XXXX $ in the first three months ( which I did ) I will receive XXXX $ bonus. 
After I opened account with them and spend XXXX $ - the bonus they advertised was withhold, and after I called and reminded them - they decided to close the account instead of paying the opening account bonus under some " Unacceptable activity on other PNC account '' .When I asked what activity I did that considered unacceptable to PNC bank - they refused to answer. I am US citizen, have legal US job and never was or have performed any illegal activities. They have mistaken me for someone else most likely. 
Not only the didn't pay the bonus, they also stole XXXX $ in rewards on the account. Fortieth as it says. Any effort to dispute the decision with customer service resulted in the same answer - because PNC bank closed the account the XXXX $ is forfeited and would not be paid to me. Please help me to get my promised money back and stop them on this scam/fraud with advertising bonuses and not paying it to customers.
Product: Credit reporting or other personal consumer reports

Hello All, These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Please see the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you, Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting the Southwest recovery systems collection on my credit report. The original debt was with XXXX and the date on this was XXXX. The debt had been illegally readded in collection and the statute of limitations has passed and this should have fallen off my credit report in XXXX.
Product: Debt collection

I moved my services from one house to another with XXXX after we relocated to our new house as of XX/XX/XXXX. XXXX never cancelled my old account, and ended up trying to claim debts owed to an account that should have been closed and transferred in the terms of {$530.00}, including a {$200.00} " early termination fee '' ; which is interesting, considering that I was ( am ) still a XXXX customer, albeit with a new address and account number provided to me when I " transferred '' my service. I had conversations with XXXX on Friday, XX/XX/XXXX to reassert that the account should have been closed, and the account should not be in arrears. This was confirmed to me on XX/XX/XXXX. I was then contacted again by XXXX on Monday, XX/XX/XXXX, and again reasserted the fact that there was no debt owed on the account. This was confirmed by both XXXX ( Rep # XXXX ) and XXXX ( Rep # XXXX ) in the XXXX Billing department on XX/XX/XXXX. I then received a collections notice from Diversified Consultants , Inc. on XX/XX/XXXX saying that XXXX had referred me to collections for the " debt '' they said I owed on the account that should have been closed and verified no debt owed. I then disputed this collections claim with Diversified Consultants, Inc. with all of the above mentioned information. Diversified Consultants, Inc. then replied back to my dispute saying that they had " investigated and verified that the account information ... is accurate including the name listed on the account as well as the amount owed ''. I find this to be impossible, as I have multiple conversations confirming no debt owed on this account. And if it is possible, I still have no record of this debt myself, and no understanding of how Diversified Consultants verified this debt. I want copies of all information and documents used to " verify '' this debt. 
I'm now stuck dealing with a collections agent uninterested in rectifying my original collections claim, and a XXXX XXXX that has sold my " debt '' to Diversified Consultants, Inc. and has no record of my original disputes.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After I graduated high school in XXXX. I moved to XXXX, XXXX  for a sales job where I did very well for myself. Unfortunately, I lost my job due to Covid-19 at XXXX XXXX XXXX in a new state which was completely unexpected and out of my control. 

Because I lost my job and there was a complete shutdown I was unable to make my car payments. More so, if you remember, 1099 Independent Contractors were not eligible for unemployment assistance until months after normal W-2 W-4 workers.

I had a condo which was relatively expensive, normal living expenses, utilities, gas, and a car payment with no income for about 6 months. Even when I started receiving unemployment compensation, it was too little and just got me by. Unfortunately, it put me in the spot of taking care of myself and having a place to live, or make my car payment. 

I have a XXXX XXXX XXXX currently and the only account out of 8 that has had any deragoty mark or late payments is my Wells Fargo Auto Acct. Due to these late payments, it has made it very difficult to get approved for credit cards, loans etc. 

The most upsetting thing about it is that they were incurred due to no fault of my own. They were incurred due to an unforeseen global pandemic that killed millions of people and effected everyone. 

It is obvious by the late payments that they took place during a specific set of time ( Covid ) the late payments are as follows all are in XXXX - XXXX  30 days late, XXXX  30 days late, XXXX  60 days late, XXXX  60 days late, XXXX  60 days late, XXXX  60 days late. Past these dates in XXXX all of my payments have been on time. 

I think that it is very unfair and upsetting that I have to suffer from these late payments when they were due to no fault of my own. This was due to an unexpected pandemic. 

I have talked to the executive office 2 times and disputed through the BBB and I get the Wells Fargo doesnt do goodwill adjustments and I think thats ridiculous. This is truly an instance where someone is not in the wrong. Regardless of reporting, the moral honest aspect of this is that this was not my fault and I shouldnt be effected by it. 

I am asking that this be reevaluated and that these late payments be removed. I am not satisfied with the response I have received from Wells Fargo and ask for a reevaluation based on the context of the situation. 

Since I have talked to the executive multiple times and havent received a satisfactory resolution to the issue, it would be great if the CEO could take the time to read this message and grant me goodwill on these late payments especially considering my on time payments since the missed payments due to COVID in XXXX. 

Thank you!
Product: Debt collection

They reported a debt I did not owe to the credit bureau. I will file a police report tommorow for fraud. I 've read th e Convergent Outsourcing is  a scam company that is doing this to several people. I watch my credit very carefuly because I do real estate and own a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I opened a XXXX XXXX account I was told I would be eligible to get cash advances after signing up and exposing all of my information I was advised I was not eligible. After 60 days I checked my XXXX XXXX XXXX XXXX checking account and found it to be overdrawn {$160.00}. I called the bank and was advised that XXXX XXXX  had attempted numerous debits for several days in various amounts. The representative offered to waive a few of the fees, but did not offer a stop payment or any other solution. I was told to contact the company that was making the debits as they would continue to do so until they were asked to stop. These debits resulted in {$320.00} in overdraft fees. That the bank has not waived I have attempted to reach out to XXXX XXXX in order to resolve this numerous methods the 800 number which does not work and through email which I have received numerous standard response emails and have tried to submit complaints through the app with no response.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today, XX/XX/2020 I needed to withdraw funds from Wells Fargo in XXXX XXXX, New Jersey. 

All branches in my area are closed other than ATM 's. There is one branch with drive up service available and I was told that I can not use that service as a walk up. I must have a vehicle that would enable me to then step out of said vehicle to do said banking that I was doing just sans vehicle. 

The only two branches are ones not in my area and are accessible again by car that I do not have but would have to hire or via public transportation. Both ways put me at risk and in turn are not safe for a XXXX year old woman to do. I have no family nor support system and must access cash to pay for essentials and do my business as I prefer that to using a card. The Covid virus has a very short life on paper and in turn I can just leave change for tips and the rest and reduce fraud with my card being listed on numerous sites, etc. 

Why I can not walk up and have a dedicated lane for pedestrians is beyond my understanding as if I was in a car and saw a person standing there why would I drive into them? How absurd and how disturbing that I can not get my money handled without having to get a car to do so. So I have to buy a car to do banking.. if you think I would let a taxi driver or hire car take me a single old lady to do my banking with cash you have got to be kidding me. 

I have the right to access my funds and distributed to me in the denominations I need and not have to go out of my way to do so and in turn put myself at risk.
Product: Mortgage

Through the dates of XX/XX/2018 – XX/XX/2018 Hurricane Florence damaged our home. We had renters in the property at the time but they evacuated. Our mortgage was being paid through them but when they had to leave due to the damages in the home we could afford our payment. The morning company we are with ( Freedom Mortgage) said they were going to put us on a Mortgage Forgiveness Program due to being military and a weather disaster but they never did. We ending up going through our insurance company being able to fix the home. Because myself and the mortgage company are on the loan the check from the insurance company had to be given to the mortgage company to sign. On XX/XX/2019 the mortgage company finally released payment for the construction company but not in the full amount. They released  $XXXX But that’s not the full amount. They will not release what is left (the beginning balance of check was XXXX.) we gave them every single document that was needed but once again they still won’t release check. Also they still won’t put us on a forgiveness program.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to request additional details regarding my closed account ending in XXXX. Please note that I am not disputing the validity of this account or the associated debt. However, I kindly request clarification on the following information for my records : Date of First Delinquency : Please provide the date on which the account first became delinquent and remained unpaid. 
Date of Last Payment : Please confirm the date of the most recent payment made on this account. 
Date of Charge-Off : Kindly specify the date when the account was officially charged off. 
I believe this information is critical for understanding the status of this account and ensuring that all details reported are accurate. I would appreciate your response in writing at your earliest convenience.
Product: Student loan

Navient is the lender for several of my loans. My original loans were never properly credited. I was always told about deferment or forebearance when I was employed in XXXX working for the XXXX in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I would have been beyond eligible programs for repayments of {$0.00} because my salary was {$XXXX} hr for family of XXXX. When I finally got introduced tip repayment program and how it would work for me I got a {$0.00} payment but reapply every yr was a process. Either my forms werent received so ended up with missed payments. Offered deferment until I sent them in again. Once I was denied for missing spouse information, when Ive never been married. Once denied for only sending 4 weeks income verification. Never understanding those deferments changed my status with company but no correction to credit agencies. This still hinders a person from employment opportunies. I wanted a lot from obtaining my degrees, sadly the market still only affords me a salary under $ XXXX a year. Once I was laid off and used 401k money so it made my payments go up but because I received numerous communications it can be confusing to a genius. The combination of compounding interest, complex communications and settling for deferments is a recipe for never ending debt. Customer service reps seem to ask u about deferment as those its not a solicitation but of course every one will accept it because they cant jeopardize a bad repayment history. I failed to mention I worked on XXXX for 3 years. When I was laid off for 5 months in XX/XX/XXXX I refused to call the lender for fear by credit for my {$0.00} repayment would result to me being put back on forbearance which doesnt help me with payment credit to satisfy the loan just make it were I dont have a payment.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/21 i recieved an email from PayPal saying that my account is now restricted and i dont have access to my funds or use the account anymore for violating their term of service. I reached out to the company and found out that they think i am associated with someone who used their service for gambling purpose. I do not use the account for that purpose. I did not know that you can be guilty by association. I do not think that association is part of their terms of service. In addition, i honestly do not even know who i am " associated '' with that cause this. My account conducta business with a plethora of people so there is no way for me to vet any " associations ''.
Product: Credit reporting or other personal consumer reports

It appears that these late payments do not reflect my consistent payment history, and there seems to be a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance XXXX : {$1200.00} XXXX XXXX XXXX Owed : {$8100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally had a medical/health debt to XXXX XXXX XXXX, that debt was sent to XXXX XXXX XXXX who I paid, who then took my debt to XXXX XXXX XXXX, so not only did I pay XXXX XXXX XXXX, but the amount I paid XXXX XXXX was inaccurate. XXXX shows I do not owe them but I owe XXXX XXXX, but won't fix my credit report. I sent a dispute to Equifax and showed them more than enough proof. They ignored my attachments and said I still owe XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is claiming i opened an account i never done business with them and never authorized anyone to open any account i never been or shopped with XXXX like they claim i filed a police report and here it is if they dont remove it this time my next step is to take them to court
Product: Checking or savings account

Citibank made a stop payment {$110.00} check number XXXX paid to XXXX. 
XXXX discontinue my service ( cable tv / internet / phone ) on XX/XX/2019. 

I never made or requested stop payment on this particular check. Looks like someone is or has control on my account. i went to bank branch XXXX XXXX XXXX XXXX nye XXXX i talked to XXXX XXXX-XXXX she just gave me a run around so i requested to talked to the branch manager- XXXX XXXX . they told me he is busy and told me they will just just him to call me up. He never called up. I tried several times and try to reach him XXXX XXXX XXXX. no luck. i requested an investigation thru XXXX. 

this is dangerous having someone controlling my account ... 
citibank people lied to me several times ... they like running a fraud schemes. 
this should be investigated.
Product: Mortgage

I have made four inquiries to Wells Fargo Home Mortgage, following proper Federal Rules of Civil Procedures to produce proof of claim/validation of debt against me and my property. However, Wells Fargo Home Mortgage has failed to provide the proof requested point for point as required by law. Notified on XXXX XXXX, XXXX, certified letter receipt number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, certified letter receipt numbers : XXXX XXXX XXXX XXXX XXXX. 
Wells Fargo Home Mortgage has defaulted and has not been able to prove they can enforce this mortgage and can not secure it by the real property currently being used as collateral since Wells Fargo is not in possession of the original wet-ink note signed by me - the borrower and sole owner of the property and title. I have reason to believe the note was sold under " mortgage backed securities, '' to investors under a pooling interest. Wells Fargo failed to transfer the mortgage along with the note when the note was pooled and sold as a security opening a whole myriad of security violations under the Securities Act of XXXX and the Securities Exchange Act of XXXX most notably violation of Rule 10 ( b ) and 10 ( b ) ( 5 ). 
WELLS FARGO STATED THEY HAVE THE ORIGINAL ON FILE IN A LETTER DATED : XXXX XXXX, XXXX. HOWEVER, THIS IS MISREPRESENTATION!!!! THEY STATED OVER_THE_PHONE THEY DO NOT HAVE THE ORIGINAL WET-INK PROMISSORY NOTE. 
I mailed a 4th and Final Notice, NOTICE OF BANK DEFAULT, notifying them, their firm and bank and/or mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. 
As a remedy I am requesting a satisfaction of my mortgage. 
I also substituted the Trustee appointed to the morgtage dated XXXX XXXX, XXXX, & cancelled the power of attorney.
Product: Debt collection

Pinnacle Credit Services LLC is attempting to collect a debt that was settled over 2 years ago. they continue to call me at work even after I have asked them to stop.