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

I was lied to multiple times by PNC bank regarding a {$600.00} Mail in promotion. I called asking on XXXX is XXXX  fine, and the amount of the promotion is for {$600.00}. They confirmed both with me. I started to put my XXXX  paychecks ach linked to my XXXX  account, and my XXXX paychecks to PNC Bank. However, first issue, the representative told me the amount was for {$400.00}. I told them to look at the phone call in which the manager XXXX confirmed with me it was for {$600.00}, and just wait for the bonus to be credited for the amount. Secondly, I was told that it would be credited after 60 days, it never got credited after 60 days. They asked me who the employer was, I told them it was XXXX, and after checking, they confirmed with me I would recieve it within the 60 day time-frame, but could be sooner. After 60 days hit, again, they told me I was lied to, but it would be 60-90 days. Okay, recently 90 days is coming up, the bonus still hasn't been applied, I called, and they told me that XXXX  does not count. First of all, I confirmed with the representative that XXXX  counts, and they said yes. I've confirmed with them multiple times about the amount of the bonus and when it will be applied, and they confirmed that it will be applied within this time frame. Within this timeframe, they have charged me an account service fee, I assume to make money on service fees whilst lying about crediting the bonus. Today after finally speaking with the representative, they are not willing to work with me at all, even after PNC bank SAID XXXX counts, SAID the bonus will be for {$600.00}, SAID twice in my phone calls that the bonus will be credited, just wait the 60-90 days. Now that the wait is over, they have the information that the bonus will not be credited, and that since it is not automatic, XXXX  does not count. In the terms and conditions, it states reoccuring from an outside agency, in which XXXX  is the outside agency, and its transferred from XXXX  to you guys reoccuring as it was made multiple times. In the end, I followed the terms and conditions, I followed the rules that you guys told me, and this bonus should be honored because if you guys lie to me about the information about the bonus, and lie to me about the terms and conditions, as employers you guys are representatives of the actions behind the company, if I can not trust what the bankers of PNC say or the terms and conditions, what is the truth behind any of what they say?
Product: Checking or savings account

on XX/XX/XXXX company called XXXX XXXX charge my account {$30000.00} and i didnt know about this card i called bnk of america and told them that i dont recognize this charge on XX/XX/XXXX and called bank of america and send them all the paperwork and they are keep deny my claim
Product: Credit card or prepaid card

XXXX XXXX Comenity Bank Bill dated XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$19.00} charged {$19.00} Balance XX/XX/XXXX I Paid {$19.00} I did pay this bill late, my mother passed, my father and his wife were ill and I got XXXX. I did open the mail late, but I paid it as soon as I saw it. 

Bill dated XX/XX/XXXX XX/XX/XXXX Late fee {$19.00} charged XX/XX/XXXX Minimum Interest Charge {$2.00} charged {$40.00} Balance Bill dated XX/XX/XXXX XX/XX/XXXX Payment {$19.00} XX/XX/XXXX Late Fee {$37.00} charged XX/XX/XXXX Minimum Interest Charge {$2.00} charged {$60.00} Balance I called I this point and asked that the Late fees be removed. they agreed to removed one, Leaving a balance of {$23.00} per my phone call. I asked that my account be closed, I paid this {$23.00} the same day. 

XX/XX/XXXX Letter stating, they could not close my account as I had a XXXX cent credit balance! 

I called again, asking that a XXXX check be sent to me and the account closed. 

Statement dated XX/XX/XXXX XX/XX/XXXX Payment {$23.00} XX/XX/XXXX Finance Charge XXXX XX/XX/XXXX Refund of Late Fee - {$37.00} XX/XX/XXXX Refunds XXXX {$2.00} Balance Called again, to have this balance removed and account closed. Most of these are junk fees, far greater than the {$19.00} " membership fee '', I was originally billed for. This is the one and only late payment I have ever had. Every other bill I have connects directly to my bank and are paid directly.
Product: Credit card or prepaid card

My wife and I have had a business checking and credit card account since XXXX. After my wife passed on XX/XX/XXXX, I immediately paid off the card, including charges pending. When I told the joker in Texas of my wifes passing, he set me up with a reference number for submittal of death certificate, mentioning ONLY fraud protection. Instead, B of A cancelled my credit card. They could not have handled this any worse. Ill have nothing more to do with the Bank of America vultures. 
As an aside, XXXX Bank has confirmed that the card we have there is still working, and they issued another card since they were so aghast at B of As actions
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Pa XXXX XXXX XXXX XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX **Subject XXXX Complaint Against XXXX, XXXX XXXX Equifax **Complaint Details : ** 1. **Consumer Information : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX. **Creditor Information : ** - Company Name : Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX. **Nature of Complaint : ** I am filing a complaint against XXXX XXXX Equifax and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumers have the right to dispute inaccurate or incomplete information on their credit reports. 

4. **Description of the Issue : ** I have identified an account on my credit report XXXXXXXX XXXX that I believe to be inaccurate. XXXX XXXX XXXX and Equifax is reporting this inaccurate information and failed to send verification. I believe this to be inaccurate information on this credit card reporting {$1300.00} opened on XXXX also stating this account is open. 
I have disputed this information directly with the credit bureaus, XXXX, Equifax, XXXX XXXX but the inaccuracies remain unresolved. I sent letters through the mail which will be provided. 
- Under 15 U.S. Code 1681i, I have the right to have inaccurate information corrected or removed, and the failure of the three bureaus to address this dispute properly is in violation of my rights. 

5. **Desired Resolution : ** - I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX and Equifax Company for failing to comply with the FCRA XXXX 
- I also request that the inaccurate information be corrected or removed from my credit report. 

XXXX. **Attachments : ** Will be attached to this complaint Thank you for your attention to this matter. I look forward to your prompt action regarding my complaint. 

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

I hope this will go to a human being and not to a computer. The XXXX XXXX XXXX  account on my credit report shows a lot of inaccuracies such as incorrect credit limit {$0.00}. How can you issue a credit card with {$0.00} credit limit? This is inaccurate but it is on my Equifax credit report! Another inaccuracy is the date of last activity. XXXX   shows that this account was last active in XX/XX/XXXX while Equifax shows that this account was last active in XX/XX/XXXX. This is a huge gap. XXXX is even showing a totally different date. 
Those information from the same data furnisher ( XXXX XXXX XXXX ) are contradicting each other. Don't you see that it doesn't make any sense? It is inaccurate but it is on my credit report. 
The information on someone credit report has to be 100 percent accurate which is definitely not the case here. 
The Federal Credit Report Act prohibits you the credit bureaus to keep inaccurate information on someone credit report. You are violating a Federal Law by keeping inaccurate information on my credit report. I have sent multiple letters to Equifax about this issue but nothing has been done. The last letter that I have sent to Equifax about this issue was on XX/XX/XXXX and Equifax signed the postal return receipt on XXXX XXXX. I have attached a copy of the postal return receipt and a copy of my credit report to this statement. It has now been 121 days, a bit more than 4 months, since Equifax received my complaint and nothing has been done, it goes straight to a computer and the inaccurate information is still on my credit report. At this point, I am gathering proofs that I will use against you in court including all communication that I have exchanged with you on this matter. I am in the process of buying an house and you are blocking me. Having the CFPB involved is another proof that I will use to show that you voluntarily kept incorrect and inaccurate information on my credit report besides my multiple attempts to have that account removed from my credit report. I will also seek damages for the consequences of your inaction which actually prohibits me from buying an house. I am right now filling out the form to sue you in federal court under the FCRA which will award me damages including mental anguish damages, damages for economic loss because of your false reporting I got turn down for an house, punitive damages, my attorney fees the list goes on and on ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for secure card, Wells Fargo agreed to give me the card. However, due to poor service experience from Wells Fargo, I requested them to cancel the card. Now I see this appearing as Hard Inquiry impacting my credit scores. I spoke to my Banker at Wells Fargo about it however, it seems she had no idea how to resolve this. 

Hence, requesting for the help now.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX  opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

XX/XX/23 - I made a donation in error of {$10000.00} to a XXXX XXXX and after reviewing the " XXXX  Giving Guarantee asked for a refund on XX/XX/23 of {$10000.00}. 

XX/XX/23 - I received a email notification from XXXX I would be receiving this full refund in 3 - 7 business days.

XXXX - Have not received the refund and Capitol One who I made the donation through is saying my claim is not valid and is putting this charge back on my credit card. 

XX/XX/23 - I have reached out to capitol one after receiving their notification to better understand why and they have told me it is not their decision by a decision by XXXX they are bound by? They are also telling me they do not have the proper information which I have provided and also attached to this complaint. Capitol One forwarded documentation presented by XXXX that does not include any of the documents I provided to Capitol One. 

XX/XX/23 - In a call with an employee in the dispute group when I asked about the notification I received from XXXX regarding the refund and that I provided to Capitol One the response was " XXXX made a decision to give the favor to the merchant. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear XXXX, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX XXXX , as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, XXXX XXXX XXXX  repossessed the vehicle in question in the XXXX of Florida and subsequently sent it to auction for resale. According to the laws of the XXXX of Florida, as well as the relevant statutes such as the XXXX and XXXX, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned request, XXXX XXXX XXXX  has failed to furnish any such evidence within the designated time frame of XXXX days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and XXXX remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was incorrectly put on my credit report so I reached out to them for debt validation. They have not correctly validated the date yet, failing to list the original creditor I supposedly owed. They listed the account as paid off by creditor in XXXX, but now are re-aging the account to show charged off XX/XX/XXXX.
Product: Student loan

Can not get a hold of anyone on XX/XX/16. Called the number listed and no one every answered. Was on hold for XXXX hours. And called XXXX times and no response.
Product: Credit card

Prior to XX/XX/2023, I contacted Prosper Credit Card about my financial situation, I was advised by the customer service representative that prosper does not have a program that will reduce interest rate or reduce payment even if it meant closing acct. I was taken a back a little because I have been able to do this with at least 4 of my credit card accounts with major banks. So, I accepted the response and it led to a payment being reported 30 days late to the credit bureaus very shortly after. I am a person that takes pride in paying responsibilities on time and this was a major overlook, however, Prosper didn't help make this situation any easier. I wasn't given any notification that I was falling into this status. Companies are aware how important credit scores are so if you have a customer that usually pays on time and then falls behind at least a courtesy call would be helpful. As soon as I was made aware of the missed payment, I paid it right away and brought the account current. I did reach out to the company for a goodwill adjustment to credit reporting and I was unfortunately declined. As a customer I am beyond furious as a consumer I feel unprotected because I did my due diligence, by making Proper aware of my financial situation and they had no compassion or remedy for me and that is scary when most companies have things in place. I am looking to severe ties with this company as soon as possible.
Product: Checking or savings account

Because of federal regulating of XXXX  XXXX I begin moving XXXX family members to another state. 
The state change occurred around XX/XX/XXXX to XXXX at XXXX. 
During XXXX years, I lost bank summary statements
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance-
Product: Debt collection

In XX/XX/XXXX I reviewed my XXXX credit report and noticed that their was a collection being reported on my credit file. I contacted the debt collector Credence asking for " Validation. '' They in return respond with a simple letter with 4 lines and several pages of an XXXX XXXX XXXX bill from XXXX. 

I then wrote to them again in XXXX XXXXstating that I could not identify this information and to provide more information. Once again, they responded with a simple letter with the same 4 lines only a different date on their letter. They provided the same XXXX XXXX XXXX bill from XXXX with no further clarification, information etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is on my credit report with Transunion. They are reporting inaccurate, derogatory marks on my account. The company that opened the account is XXXX XXXX and it was opened on XXXX XXXX 

The company has been repeatedly reporting inaccurate information on my credit report.
Product: Bank account or service

I was charged XXXX overdraft fees of {$35.00} each, in the amount of {$100.00}, when my account was only overdrawn by XXXX check in the amount of {$300.00} on XXXX/XXXX/17.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Lexis Nexis, XXXX, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has not.
Product: Credit reporting

My credit was ran with someones elses social. with my demographics. they have access to my report. the company attempting to collect money from me sent the proof of the application and the credit report from transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am AGAIN submitting documents showing that XXXX, on page 19 was listed and discharged in Chapter XXXX bankruptcy. 

I have been told that student loans do not get discharged under bankruptcy, however, that is NOT the case. There are special circumstances, such as mine, were there is a hardship and they DO get discharged.

I have attempted to contact NUMEROUS people about this. I was SEVERLY injured. We lost EVERYTHING in 2018 due to my inability to work. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX, have been XXXX for infections for weeks on end, almost XXXX XXXX XXXX, may NEVER walk again, have had two XXXX XXXX. 

Due to the hardship of my case, ALL DEBT was discharged, INCLUDING ALL STUDENT LOANS. I would NEVER be able to repay.

NOW, I have not 1 but 2 companies, reporting and listing late payments on the SAME debt, making it appear as if I have MORE credit than I have, that I have MORE late payments and that I OWE. 

I DO NOT know how to make things any more clearer to ANYONE. I have sent photographs, records, ALL the information and STILL, I get back .... ACCURATE!! 

HOW CAN XXXX, a company who BOUGHT A DEBT FROM XXXX, report the SAME DEBT and yet XXXX is CONTINING TO REPORT THAT I ALSO OWE THEM???? 

SEE ALL ATTACHED DOCUMENTS.
Product: Checking or savings account

I have had this Bank of America account for XXXX years and never had any monthly maintenance fees. All of a sudden this XXXX, I started getting charged {$25.00} a month. I called BoA to inquire about the fee and they said they made some change to the account type over the years and once I was no longer a " preferred rewards '' account, then because I had a " relationship '' account type, my monthly minimum balance was $ XXXX, or else I'd get charged {$25.00} a month. They also told me I can change my account type from " relationship '' to " plus '', which basically has the same exact features, except only a {$1500.00} a month minimum to not incur any fees. If they were going to play around with account type names and tiers and new fees, if anything. 

If banks want to constantly change their account name types and features and the associated changing terms and fees, they should not be allowed to place long time customers in an account type that seemingly only exists to fee gauge. If there is virtually no difference in features between the $ XXXX min account and the $ XXXX min account, why does the $ XXXX min account exist in the first place if not to steal $ XXXX from long time customers who have never paid any maintenance fees before?