23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX/XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from Delaware either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on my credit score that I had missed a payment of {$27.00} to some company and it dropped my credit score dramatically. I found the company and made payment ( it was {$27.00} ). After making payment I looked in to what it was. Turns out I never ordered or received what they said. I never opened this account. After the incident I filed a police report and put a lock on my credit score. I would like this removed because it shows on my credit as 4 missed payments. This is not right. This is affecting my ability to get a mortgage. I would like the 4 missed payments removed. I just want this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just thinking of the days, weeks and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Transunion. I already contacted the furnisher and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I requested a copy of my report. I noticed a collection from Medical Business Bureau for {$250.00}. On XX/XX/XXXX I submitted a request for debt validation as I have no recollection of doing business with them or the original creditor, XXXX XXXX XXXX. I waited 30 days for the validation and after not receiving the requested documents, I submitted another letter on XX/XX/XXXX. As  of XX/XX/XXXX, I have not received the requested documents from Medical Business Bureau.
Product: Debt collection

I cancelled my gym membership for XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid my {$20.00} fee. I have the receipt. Then collection calls began arriving. I was told I owed for XX/XX/XXXX and XX/XX/XXXX even though I was no longer a member. I have my yellow sheet showing my membership cancellation and cancellation of the contract with a XXXX balance owed. I sent proof to the collection agency ABC Financial Services of XXXX, AR XXXX of my receipt, and the cancellation showing XXXX balance, but they keep calling, I contacted XXXX XXXX XXXX four times by phone and visited twice in person and was told it was taken care of. I contacted their corporate office and was told it was not their problem, it is the franchised gym 's issue. No one will help me. Today ( XX/XX/XXXX ) I received yet another collection notice. They call me daily and now are sending mail all for {$20.00} they say that I do, which I do not. It 's not even the money, which is {$20.00}, it 's the harassment.
Product: Mortgage

selene finance had me on a trial basis home loan modification, and I paid all the payments on time that was XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, payments of XX/XX/XXXX-XX/XX/XXXX and when I got ready to pay XX/XX/XXXX, they said they couldn't take it because of some letter that they hadn't received, if they took my payments for 3 months over the phone why couldn't someone tell me about a letter that wasn't in my file, in XX/XX/XXXX I talked to a lady named Mrs , XXXX and she saw the letter that I had faxed and called another department and they made up some kind of excuse about the letter, and she no longer works in that department of course, so this pass Thursday a guy from the company calls me and says to sign and fax a letter XX/XX/XXXX and I could pay my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments but of course today I cant get him on the phone and their telling me my loan was not approved again, lies and more lies, they say they sent a letter about an income change and it was not an income change the letter stated that my home was 37 days to foreclosure and I couldn't get a modification ands why, o and the lady that Mrs XXXX talked to about the letter told her to tell me to just resubmit my application for a modification and they would re do it some more lies
Product: Checking or savings account

I've been a victim of a massive identity theft and had my citizens Bank account drained along with a citizens Bank credit card. I've provided all the evidence they have requested at least 4 times. They continue to transfer me from debt to dept with no response or money reimbursement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX XX/XX/year> I am writing this letter to let you know what a disaster you have caused for me. I asked XXXX XXXX to help me. Instead, you made things worse. I called and arranged for payment plan. I agreed to pay {$200.00} per XXXX  due on the XXXX of each month with the understanding I would try to get current as soon as possible. I asked the representative if it would affect my XXXX XXXX. I said he did not know. Should have realized something was XXXX. What XXXX XXXX did was XXXX  my XXXX XXXX by XXXX points and continues to report me as XXXX. For the last XXXX XXXX XXXXXXXX has reported to me even though I made prompt {$200.00} payments. We agreed to a payment plan so what XXXX has done seems XXXX XXXX XXXX XXXX XXXX. I am not the only one you have done this too. 
As an example, I asked XXXX XXXX for a plan, and they agreed to a XXXX  repayment plan. They report me as current. XXXX XXXX suspended interest charges. They do not charge XXXX interest as XXXX XXXX does and did not XXXX  me. XXXX  other XXXX  cards are current and up to date. I only asked XXXX and XXXX XXXX for help. XXXX XXXX came through. XXXX XXXX did not. 
XXXX  other XXXX  cards are current. You continue reporting me as late caused my other credit card companies to reduce my credit lines, which increases my credit usage which then reduced my XXXX XXXX. This has happened the last XXXX XXXX, my XXXX XXXX continues to go down because of XXXX XXXX. The cycle continues. You should be ashamed. Under the guise of helping, you are destroying my XXXX XXXX. You should immediately remove XXXX  your advertisements mentioning as being a friendly bank. I should consider a class action suit for predatory practices. 
I have lost XXXX  due to XXXX. XXXX does not care. 
I am going to encourage the Consumer Financial Protection Bureau to break the relationship between XXXX and the XXXX XXXX  reporting agencies based on XXXX and XXXX behavior. 
I have considered placing my experiences on XXXX and XXXX, but I am not as XXXX  as XXXX XXXX People and businesses should know how you operate. 
Your credit card lending is predatory. 
Disappointed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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

I recently did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of reinvestigation ; and ( ii ) promptly notify the furnish sure of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On Thursday, XX/XX/XXXX, I did an internal transfer of {$4000.00} from my Ally Checking account to my Ally Investment account. The funds were deducted immediately from my checking. As of XXXX on Friday, XX/XX/XXXX, those funds are missing. They are not reflected in my checking or investment account balance. I have been unable to reach anyone by phone, despite remaining on hold for 2 hours. I was able to reach a representative via the Ally Bank chat, and the representative said there was nothing he could do.
Product: Credit reporting

Judgment satisfied Equifax only C R B not removing from derogatory remarks so why pay judgment if not going to remove bad marks against you should n't of paid I see lots of people same problem with EQUIFAX this should be stopped! Paid, should not stay on report for seven years! how are people having hard time but still repaying suppose to get back on there feet Defeats the whole purpose!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX  as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Checking or savings account

I was given a check for {$710.00} for my closed acccount funds. Somehow my check had gotten cashed but I never received funds and I still have the original check. I went to over 3 pnc branches in XXXX XXXX Texas and was rudely pushed out of the branch saying I was fraudulent and that they couldnt help me.
Product: Vehicle loan or lease

XX/XX/2017 I purchased XX/XX/XXXX XXXX XXXX from XXXX XXXX through ally Bank with a XXXX   down payment, but instead I was sold a Lemon for XXXX for a XXXX  mile vehicle with all kind of problems from the flood lights dont come on, tires, brakes wind sheild wipers, car smells like oil is leaking in which it was, tail pipe rusted been under water before, smells molded and smelly when you turn Heat or Air on and also paid XXXX for over a year and half of the payment was interest and I had been spending on this vehicle since I had it they told me when I took it for maintenance they found other issues and I also told the manager of the dealership about these problems and also contacted the XXXX and they still didnt correct all of these problems I am mentioning so I got sick back in XXXX  and had to Bankrup, but the Co-debtor still paid the note and the car was taken to the shop again and they said it was other issues again with the car and we were sold a Lemon. so on today a Man from a Repo company came out to pick the car up in which I have not been driving, because of danger issues and recalls and the man was very nice and rung the doorbell in which we been home everyday due to my major medical issues and he told me that Alley Bank told him we were violent and he said to us we were nothing like they described and we have been here everyday, I don't dodge people and he saw that we were voluntarily giving him the keys for something not able to drive anyway, but I feel we were sold a lemon with half of the car note was interest that the making off of us, for a Lemon that they knew they had issues with for XXXX. Also contacted the FTC.
Product: Mortgage

I was put on a modification payment XX/XX/XXXX and made the required downpayment and when I went to make my XX/XX/XXXX paymen ton XX/XX/XXXX. ocwen would not take my payment online and I called and was told a relationship manager would call me on XX/XX/XXXX at XXXX. no one called. I called again and was told the next available date for a call back is XX/XX/XXXX and I asked for an earlier appointment as I wanted to make sure I paid XX/XX/XXXX mortgage per the repayment plan. I received a call XX/XX/XXXX and explained this again and and I was put on another repayment plan to take effect XX/XX/XXXX with a payment of {$4900.00} and 5 payments of to get back to current payment of {$3500.00}. I schedule another call back for XX/XX/XXXXto make sure payment was taken out of the account on XX/XX/XXXX. I am told today that was denied. each time this lender keeps giving info to me and I comply and then they change their mind and causes more fees and time. I never received any mailed documents as it was to be sent via email as requested. now they cant take the payment because its over 90 days. and the relationship manager refuses to transfer me to US rep., I have waited over 1 hour to speak to a manager in their XXXX office andXXXX keeps calling to transfer me and I cant keep holding
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a concert ticket for XXXX XXXX XXXX, XXXX for {$340.00}. On XX/XX/XXXX I purchased another ticket to XXXX XXXX in XXXX, XXXX for {$610.00}. Both concert were to be held XX/XX/XXXX. 

The concerts were cancelled due to covid. As the promoter of he concerts refused to issue refunds I disputed the charges with Capital One. 

On XXXX XXXX Capital One reversed the charges while investigating the dispute. All is good at this point, However on XX/XX/XXXX Capital One rebilled me for {$330.00} On XX/XX/XXXX Capital One again rebilled me for {$340.00} and {$610.00} On XX/XX/XXXX Capital One recahrged yet AGAIN for {$340.00} and {$610.00}!! 

Capital One has been contacted many times and the double charge for {$610.00} and the triple charge for {$340.00} have still not been removed from my account. 

As the concerts were cancelled and the concert promoter has refused to issue refunds they are committing fraud accepting fees for a service not provided. As such, Capital One must under Consumer Fair Credit Act credit me for all these charges and have not been willing to do this. I have been trying to resolve this for a year with no satisfaction.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to redeem {$25.00} from PayPal Mastercard ( Synchrony ) to my PayPal Wallet. The money was never transferred. I called Synchrony on XX/XX/XXXX and they told me it would take a day. I called in XX/XX/XXXX and Synchrony told me it would take 72 hours. I called on XX/XX/XXXX and they told me it transferred and I need to call PayPal because its on their end. On XX/XX/XXXX I called Paypal and they told me it was not transferred and that I needed proof from Synchrony, to which they said they cant provided. I was transferred and disconnected multiple times as each representative did not wart to deal with it. Paypal told me they would investigate and send me immediately a confirmation of the case number. This never happened. Each side blamed the other and left me short the {$25.00} I earned in regwards.
Product: Credit reporting or other personal consumer reports

Ive reached out to XXXX, XXXX XXXX and Equifax and ask them to remove addresses that were not mine to remove credit cards that were opened with those addresses and to remove inquiries that were put on my credit report with those addresses and it keeps on being denied.
Product: Mortgage

I came down with Covid back In middle of XXXX and had to be out of work for 2 months due to the complications I was experiencing after the sickness. The doctor I was seeing finally released me to return to and on XX/XX/2022 my job terminated my employment while I was on leave which I didnt understand. Im currently unemployed and searching for a job so far havent received any calls yet.
Product: Mortgage

Wells Fargo has ruined our life, by denying a payment paid to them via our checking account at Wells Fargo to Wells Fargo Mortgage. Then slapping enormous amount of late fees and what not. This is my third complaint to you, but you are also not helping.
Product: Debt collection

I would like to file a complaint against Rash Curtis & Associates Original creditor XXXX The following accounts XXXX {$170.00} XXXX XXXX on my credit file XXXX to XXXX {$650.00} XXXX XXXX on my credit file XXXX {$1800.00} XXXX XXXX on credit file XXXX {$450.00} XXXX XXXX on credit file I was a patient at the hospital and I had a XXXX and my insurance Paid for my XXXX and all the medication required. I just pulled my credit because I was being denied for employment and I was n't sure what the cause was. I do see that there are collections account and have been reported by Rash Curtis & Associates Original creditor XXXX .The collection company and XXXX
Product: Debt or credit management

Signed up for debit consolidation program made payments as instructed for months and never seen a change in my credit in fact it decreased so I stopped paying and was never reimbursed or got an explanation as to why my credit was getting decreasing instead of getting better
Product: Credit reporting or other personal consumer reports

Wednesday, XXXX XXXX I, personally, spoke to XXXX regarding the statement from BOA they had based their decision on reports from the 4 credit bureaus. XXXX and XXXX BOTH informed me there were ABSOLUTELY NO INQUIRIES about me and my credit from ANYONE AT ALL. Actually, I have a freeze on XXXX for years and today placed one on myself with XXXX. 

The telephone numbers on the other remaining TWO agencies directed me to online, so Im unable to talk with anyone from two agencies to ask if BOA had run a check on me, as they stated they had and thats what they based their decision on to reduce my line of credit. Nothing shows LATE. 

Therefore, this is another complaint I am filing because as Ive stated, BOA has done nothing but create a major issue out of a small issue, resulting in my closing my account. I do NOT EVER want to do business with BOA again. This is not about the closed account but, rather, the evil, devious, harmful treatment of a former customer who has a serious XXXX XXXXXXXX which I tried explaining but every single person Ive had any contact with at BOA refused to LISTEN to my problem with my health and, instead, reduced my line of credit for absolutely no reason at all. 

I believe BOA never gets many complaints because people give up trying to resolve their probably legitimate issues such as I have. 

BOA is without any sliver of empathy, they DID NOT TRY TO WORK with me! No, they did not. I was forced to close my account after I overpaid them and that was the ONLY WAY TO RECOVER MY MONEY but it has caused me to get sick, so I canceled. There is nothing mentioned about late payments. And I have a freeze on one bureau, so BOA are scammers and XXXX company with NO SOUL.