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

To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America for its failure to honor a promotional offer and for the subsequent inadequate customer service provided in relation to my small business checking account. 

On XX/XX/XXXX, I was contacted by XXXX XXXX from the sales department regarding the opening of a small business checking account. During this conversation, I inquired about a {$1000.00} promotion I had seen advertised online. XXXX XXXX verified my eligibility for this promotion, given my longstanding 18-year relationship with the bank, and assured me that the promotion had been applied to my account. He explicitly stated that I would receive the {$1000.00} bonus after depositing {$30000.00} in new funds and maintaining that balance for 90 days. 

Relying on these assurances, I opened the account on XX/XX/XXXX and deposited {$31000.00} within 30 days. I have maintained this balance as required. However, as of today118 days since the account openingdespite my repeated efforts to resolve this matter through multiple calls and direct communications with your team, the promised bonus has not been credited to my account. 

The lack of response and accountability from your representatives, especially XXXX XXXX, has been profoundly disappointing. Despite several attempts to contact him and even after being assured of a resolution, there has been no substantive update or effort to rectify this situation. The service teams recent claim that no such offer was linked to my account directly contradicts the information and assurances given to me at the accounts inception. 

This situation not only represents a failure to honor a financial incentive but also exemplifies a significant breakdown in customer service and trust. The handling of this matter reflects poorly on Bank of Americas commitment to its long-term customers and tarnishes its reputation for reliability and customer satisfaction. 

I urge the Consumer Financial Protection Bureau to intervene and assist in resolving this matter promptly. I expect Bank of America to honor the promotional offer as originally stated and to address the deficiencies in customer service that have exacerbated this issue. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company has reported a collection amount of {$620.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, XXXX XXXX and Equifax has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my XXXX business card. XXXX 's Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at XXXX, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to XXXX. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from XXXX during the month of XXXX. I told XXXX, I had begun working with a credit counseling agency. As I received more calls from XXXX, I contacted XXXX XXXX in regards to my account with XXXX. XXXX XXXX first stated, They were waiting for XXXX to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from XXXX. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to XXXX. They instructed me to disregard correspondence from XXXX. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and XXXX hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with XXXX and was going to end the relationship. On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to XXXX canceled. The first payment was made from XXXX XXXX to XXXX on XX/XX/XXXX. 
This resulted in XXXX reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with XXXX and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; XXXX weeks after XXXX XXXX told me they were waiting for XXXX to accept the proposal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4200.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the lack of progress in resolving the inaccuracies on my credit report. Despite my multiple attempts to dispute the errors and provide supporting documentation, the issues persist.

I initially had high hopes for the Consumer Financial Protection Bureau 's ( CFPB ) role in protecting consumers like myself from inaccurate, unfair, and biased reporting practices of large credit bureaus. However, my experiences have shown that these errors continue to plague my credit report, and I remain unsatisfied with the outcome.

1. Inconsistent information - The credit bureaus have provided conflicting information regarding the same accounts. This inconsistency raises questions about the reliability of the information and the process used to verify its accuracy.

2. Lack of correction - Despite my efforts to dispute these errors, the corrected information still reflects inaccurately on my credit report. The revisions made by the credit bureaus have not addressed the root causes of the problem, leaving me with incorrect information that continues to impact my credit score.

3. Personal information discrepancies - My personal information, including my name, address, and date of birth, appears incorrectly on some credit reports. This raises serious concerns about data management practices and the potential for identity theft.

4. Multiple attempts - This is my third attempt to request reinvestigation, and each time, the result has been the same - inconclusive and inadequate. The fact that different credit bureaus have different information further underscores the need for greater scrutiny and accountability in the credit reporting industry.

In light of these issues, I urge the CFPB to take a closer look at the practices of these credit bureaus and hold them accountable for the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

My attorney filed a XXXX XXXX bankruptcy and experian and XXXX XXXX keeps allowing the same collections agency 's to keep reporting collections on my account even though there is an automatic stay. In addition they keep allowing companies to report incorrect balances and refuse to remove them off my account. For example it even shows on my report that I have an active XXXX XXXX and they allowing the same collection companies to report debt that's included in my XXXX XXXX and refuse to remove it and it's caused my score go down over 150 Points
Product: Checking or savings account

I am filling a complaint against capital one regarding the deceptive practices related to their 360 " high yield interest '' savings account. Capital misrepresented the 360 saving account a having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the truth in Saving Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

On Equifax most recent communication they sent me a letter stating that information on my credit file won't be blocked in general. I had provided all needed documentation tp proceed with action, and yet, Equifax denied to do so. I'm attaching all documents again and with this complaint the request to Block XXXX XXXX XXXX from my Credit Files as this account is the result of Identity Theft. 

Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where is my certificate Experian, XXXX XXXX, XXXX? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS
Product: Checking or savings account

I HAVE MY BANK ACCOUNT WITH WELLS FARGO BANK IN XXXX XXXX NEVADA. I LIVE IN XXXX XXXX XXXX AND AFTER 8 YEARS LIVING HERE I AM RETURNING TO XXXX XXXX MONDAY XX/XX/XXXX WITH XXXX XXXX. TONIGHT I DISCOVERED WELLS FARGO CANCELED MY DEBIT CARD AND NEVER EMAILED ME ABOUT TAKING THIS ACTION ... .MY MONTHLY CHECK IS TO BE DEPOSITED INTO MY BANK ACCOUNT BUT I HAVE KNOW WAY OF WITHDRAWING CASH FROM A BANK MACHINE HERE IN XXXX . 
I NEVER ASKED THEM TO CLOSE THIS BANK CARD DOWN ... THERE WAS AN ISSUE WITH XXXX XXXX CHARGING ME {$100.00} FOR AN UPGRADE TO MY TICKET AND I ASKED WELLS FARGO HOW TO CORRECT THE PROBLEM ... THEY SAID TO CANCEL MY CARD AS NOT TO HAVE A FRAUD ISSUE. I TOLD THEM " NO-WAY '' AND NOT TO PURSUE THIS THE PROCESS OF CLOSING THE CARD ... THEY TOLD ME OK ... AND VERIFIED MY CARD WORLD BE USABLE ... THEY LIED AND SHUT MY CARD OFF LEAVING ME STRANDED IN A FOREIGN COUNTRY WITH NO FUNDS TO TRAVEL WITH ... THEY OFFERED NO SOLUTION AND THE SUPERVISOR HUNG UP ON ME ... THEY COULD CARE LESS FOR THEIR MISTAKE ... 
2 YEARS AGO THEY DID THE SAME THING TO ME CLOSING 2 BANK CARDS DOWN ONCE AGAIN LEAVING ME STRANDED ... I AM SO FED UP WITH WELLS FARGO THEY ARE THE MOST ASININE BANK IN THE WORLD AND OVER MY LAST 4 YEARS OF BANKING WITH THEM HAVE DONE SEVERAL THINGS TO ME CAUSING HARDSHIP AND STRESS BUT NEVER EVER ANY SOLUTIONS TO THEIR INCOMPETENCE ... 
THEY NEVER HAVE THE SAME STORY OR INFORMATION TO OFFER UP FOR THEIR ACTIONS ... THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING ... I CALLED TONIGHT SPEAKING WITH A CUSTOMER SERVICE AGENT WHO TOLD ME MY ACCOUNT HAD NO PROBLEMS AND ASSURED ME ALL WAS OK. I HAVE A PAYMENT DUE FROM A BUSINESS I MAY A MONTHLY PAYMENT TO ONLY TO DISCOVER THEY COULD NOT ACCESS THE ONLINE PAYMENT. AFTER CALLING WELLS FARGO 3 TIMES FINALLY I GOT THE STRAIGHT ANSWER ... MY CARD WAS SHUT DOWN ... BUT NO COMMUNICATION BY EMAIL OF THIS ACTION ... THEY HAVE NO PROBLEM EMAILING ME FOR STUPID STUFF BUT ANYTHING SERIOUS ... NOTHING!!! 
WELLS FARGO IS NOTORIOUS FOR BAD SERVICE AND CHARGING FEE 'S TO RIP OFF THEIR CUSTOMERS MAKING BILLIONS ONLY TO PAY A FINE AND FIND THE NEXT WAY OF REPEATING BAD SERVICE AND SCRUPULOUS CONDUCT BEING GREEDY AND JUST PLAIN THIEF 'S ... 
UPON RETURNING I WILL CLOSE EVERYTHING DOWN BUT THEY NEED TO BE HELD ACCOUNTABLE FOR THEIR MISTAKES AND ACTIONS AND LACK OF CONCERNS ABOUT THEIR CUSTOMERS WELL BEING OR EVER TRYING TO GO THE EXTRA MILE BUY WIRING ME FUNDS WHICH THEY WILL NOT DO ... 
I AM LEFT IN AN EMERGENCY SITUATION ... AND THEY CARE LESS ... DESPICABLE TO SAY THE LEAST ... XXXX OFF IN XXXX TO SAY THE LEAST!!!
Product: Credit reporting

I checked my Equifax Report and Found a collection account from XXXX, I notified both XXXX and Equifax that these are Fraud and asked Equifax to block this account under FCRA Section XXXX and XXXX ( a ) ( XXXX ). Equifax failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : 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: Debt collection

Bull City Financial Company represents XXXX XXXX located in XXXX North Carolina. Received a service on XX/XX/2015 that did not meet the requirements of what the dentist had discussed he was going to perform. What was supposed to be a XXXX to be XXXX I received a bill for a XXXX XXXX. In which within 14 days my filling came out from the XXXX and exposed quite a bit of XXXX XXXX and a XXXX XXXX XXXX XXXX in my XXXX. I have notified the XXXX about this right away and not only was I not pleased with the incorrect billing but that the service that was given to me on XX/XX/2015 was not successful. I have gathered several pictures to prove this was not a successful visit and was given a bill for {$1000.00} for a service that I never did receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX a charge for a magazine subscription found its way onto my XXXX account. Believing that the account had a XXXX balance I was not aware until the bill was 60 days past due. Since that happened my credit report contains the words " serious delinquency ''. As the amount was something less than {$18.00} and there is otherwise no blemishes on any of my other credit cards. I don't believe it is fair to me to have to carry this derogatory on my credit report. Try as I might, I have been unable to convince XXXX to remove this from my report. Is there something you can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX Balance {$600.00} XXXX IXXXX XXXX XXXXXXXX Balance {$0.00} XXXX  Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance {$2300.00}
Product: Debt collection

In XX/XX/XXXX I received a {$2400.00} bill out of the blue from a collection agency named " Phoenix Financial '' for " medical services '' which I supposedly received in XXXX. This claim is completely new to me. I know nothing of these services, I requested proof and documentation from them, and they have ignored these requests for information. It has damaged otherwise great credit rating. 

I sent the following message to them via their online dispute form on XX/XX/XXXX : Account XXXX. I dispute this debt today, XX/XX/XXXX, XXXX EST. Please send me copies of what you believe is the bill or bills for this matter and the names, description and details of the services therein. My dispute of this debt is entered within the window of time provided to me by you via US Mail indicating that can call or write to you by XX/XX/XXXX, and that is what l am doing here. Please rescind all adverse credit bureau notifications submitted two days ago and provide me with confirmation of this. 
XXXX XXXX XX/XX/XXXX Ive received nothing from them in the US mail, phone, or email regarding this matter.
Product: Credit reporting or other personal consumer reports

I checked my credit report in XX/XX/2023 and found that I had fraudulent accounts reporting on my credit report with all three bureaus XXXX XXXX and Experian I have sent in all necessary documents to prove my identity as well as an updated identity theft report and still nothing was done to help I did request that the fraudulent information reporting on my credit file be blocked and deleted I also called to rectify the situation and nothing was done. I mailed all the bureaus the information needed twice once through priority mail and just reciently through certified mail and nothing was done. I stated every account that should be removed as well as every address that is not associated with me be removed. I am actively in the XXXX I am asking for your help and support in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX Capital One Bank had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from XXXX, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
Product: Credit reporting or other personal consumer reports

This is my 4th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX, XXXX, XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : $ {$11000.00} XXXX  XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an notification on my XXXX XXXX account that I had an inquiry from XXXX - XXXX XXXX for XX/XX/2020. I did not authorize this pull from my credit.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting incorrect information on my consumer report. The account listed as XXXX XXXX has several inconsistencies that leads me to believe the credit have not done their jobs and properly verified this account as they stated they did. The inconsistencies are as follows : High Balance : {$500.00} {$500.00} Last Verified : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Dispute Status : Account not disputed -- Account not disputed Creditor Type : Finance, personal Personal Loan Companies Personal Loans Companies Term Length : 12 Month ( s ) 11 Month ( s ) 11 Month ( s ) Account Type : Installment account Secured Loan Installment XXXX is reporting it as a collection but XXXX and Equifax are not. This is not correct.