23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America ( credit card ) I live in XXXX. 

In early XXXX of this year, I contacted Bank of America, since I was not going to be able to pay the minimum payments on my credit card, since I am unemployed and to see what options they would give me, since I did not want to fall into default for the first time. At that moment I was attended by XXXX XXXX from the placement department and he told me that I should contact the debt consolidation agencies, he transferred the call to XXXX XXXX where I was attended by XXXX XXXX, who evaluated my case and told me that I would be paying a monthly payment of {$100.00}. At that moment I had a family member who could help me with that amount. However, days later, the person who could help me with the payment told me that she could not, so on XX/XX/XXXX I contacted the other XXXX agency ( XXXX attended me ), to verify what amount I would have to pay with them, but it was a higher amount. 
After this, I contacted XXXX XXXX again, to explain that I could no longer afford to pay the {$100.00} a month, and asked them what other option I had, they told me to contact the bank and ask them to evaluate the possibility of suspending the minimum payment on my card for at least 3 months. I did that, but the bank 's answer was no, since the system only showed the option of debt consolidation in my case. ( answer given by XXXX XXXX ) on XX/XX/XXXX. 

I don't want to fall into arrears, but it is really out of my hands and I am already due for the minimum payment on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

THIS WILL BE BRIEF HAD RECIEVED AN INSTALLMENT LOAN FROM XXXX XXXX XXXX OFF OF XXXX XXXX XXXX IN XXXX TEXAS. I HAD MADE MY FIRST PAYMENT OF XXXX DOLLARS EVEN. THEE LOAN WAS IN THE AMOUNT OF XXXX DOLLARS. THEE FOLLOWING MONTH I WENT TO MAKE AN PAYMENT AND THEY HAD CHARGED IT TO MY BANK ACCOUNT FOR A CHECK THAT WAS GIVEN TO THEM FOR THEE APPROVAL AMOUNT. COME TO FIND OUT I WAS GIVEN AN OVERDRAFT AND MY ACCOUNT KEPT WITH THESE OVERCHARGES TO MY ACCOUNT AND BANK FEES ALONG WITH THERE EXTRA CHARGES NOT INCLUDING MY PAYMENT THAT WAS MADE. MY NAME IS XXXX XXXX AND NUMBER IS XXXX THANK YOU AND YOUR SPEED OF SERVICE WILL BE GREATLY APPRECIATED.
Product: Prepaid card

They keep denying my appeals for fraud I WANT MY MONEY BACKA AND YOU NEED TO HOLD THESE PEOPLE ACCOUNTABLE IVE CONTACTED THE NEWS IVE CONTACTED OCC XXXX  FDIC EVERYONE I WILL PRESS CHARGES
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of XXXX XXXX. It is my understanding that when one brings accounts current their score replenishes, not the other way around. 

I have requested many times for forgiveness on a late payment during the COVID crisis. 

I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXX XXXX XXXX I am now struggling to get a loan for a vehicle of my own that I can afford to drive. XXXX XXXX is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I found myself in need of a small personal loan and applied through the One Main Financial website, they immediately called me after preforming a credit check and informed me that the only way to get the loan was through purchasing credit repair services that they offered and they highlighted the credit inquiry that they preformed on me as the reason they denied me the loan but if I purchased credit repair services through them I might be able to get the loan. So they did something to lower my credit score and want me to pay them for the solution. Seems extremely unethical at the least.
Product: Debt collection

Myself and my children are receiving calls from a company that they identify themselves as First Recovery Services/Solutions. They state it is in reference to claim number XXXX and they have my complete social security number. They state I may clear the debt up with a credit card number for the amount of {$590.00} or court proceedings will commence. I have requested paperwork for the claim and they state I already have it, I do n't. They state it is for a Pay Day Loan Advance that I took out online, I did not obtain a pay day advance. I ask for their address all the information they will tell me is that they are located in XXXX, FL. The calls are from several different XXXX numbers. XXXX, XXXX to name a few.
Product: Student loan

I have had problems with setting up repayment while still in school. Had to submit enrollment form twice to stop the repayment starts. Below shows last year when the issue first started XX/XX/XXXX : Has my school enrollment been updated because I have a payment due on XXXX but I am still enrolled in school till the end of XX/XX/XXXX? XXXX XXXX XXXX Account # XXXX Then XX/XX/XXXX they still had me owning and past due after the school sent an email they faxed in my enrollment form. <P/>In XX/XX/XXXX I was told loan repayment would start XX/XX/XXXX. On XX/XX/XXXX received and email payment due XX/XX/XXXX. ( Three days later ). <P/>I called on XX/XX/XXXXabout XX/XX/XXXX payment and asked was there going to be a draft from my account and was told no. That my XX/XX/XXXX payment covered the XX/XX/XXXX payment and account showed I was ahead. I was on vacation and stress this to customer services and was told, " Nothing will come out on XX/XX/XXXX. '' That Monday my account was drafted {$630.00}. I had to get a payday loan to cover my car note and auto insurance that were set on autopay from that account. I called and asked to speak with a supervisor to be told the agent I spoke to on XX/XX/XXXX did n't know I did the autopay online and not through them. I said the online autopay is through you. I asked to cut off my autopay ( which now I lose interest rate reduction ) and refund my {$630.00}. I have not confirmation of it happening.
Product: Mortgage

On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX to seek advise on how to apply for a modification, ( it was over the phone ), the first question she asked me is that " are you current on your mortgage? what is the reason why you 're applying for modification? My answers were Yes, I am current and I want to make my mortgage lower because I 'm having a hardship ''. She then advise me not to make payments for at least 3 months in order to show to my lender that I 'm really having a hardship making my payments. And she told me that I have to pay {$2500.00} for their service but she did not tell me that I have to pay {$500.00} every month until the modification is done. So we waited until XXXX XXXX, she then email me the paper works to fill up. All the documents that they requested was sent but it was already a year and nothing happened so I asked another agency ( XXXX XXXX ) and they told me that modification should be done by XXXX4 months only and then advise me to stop dealing with XXXX and just work with them instead. 

I started working with them on XXXX XXXX, XXXX and same thing I gave all the documents that they needed. 




. 
Please advise if we can do something about it, I know I can no longer get my house back but it was so painful and unfair and XXXX, we were forced to moved out from the property on XXXX XXXX and we were staying at a friend right now because I 'm having hard time to get a place for me and my family because of my credit. I just hoped that they gave me chance to work on it or at least sell the property myself. 
XXXX XXXX XXXX was already foreclosed and sold. XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX XXXX XXXX, phone # XXXX ) promised to help me save my home, first, they advised me not to pay my mortgage so that I will make PHH believed that I am really having hardship because I lost my job, I paid them almost {$9000.00}, it was almost a year but it never get done, he always said that its under review, I also tried to work directly with PHH mortgage and I submitted all the paper works that they requested. An agent from XXXX XXXX XXXX. from XXXX CA offered help to get the modification done that will cost me {$3500.00} ( need to pay them $ XXXX monthly ) but still nothing happened, I know they did all their best but PHH Mortgage still foreclosed and sold my house to XXXX XXXX. in CA without notifying me that it was already foreclosed and sold on XXXX XXXX, XXXX. I was forced to leave the house because the new owner filed an eviction complaint against me. PHH did not gave me a chance or an option how to fix the problem. The property has an equity of almost {$250.00}, XXXX and they should just allow me to sell the house my self so I can get something to start with, I faced eviction and the XXXX I faced and my XXXX kids was very painful. I did not even know that the modification was denied because I did not received any notice, I just found out on XXXX XXXX, XXXX when the Sheriff came and told me that the property is already foreclosed and was already sold.
Product: Checking or savings account

This iis the second time Capital One Bank has had some sort of outage that affected thousands of direct deposits. Capital One offered no solutions over the phone, some of us had bills that hit this morning. This has been an issue since XX/XX/year> and we are still not seeing any direct deposits. Please see all the threads on XXXX  and XXXX  regarding this issue. NO one is talking about it on the news, or any news source I've seen today.
Product: Credit card or prepaid card

XXXX ( Synchrony Car Care ) Charge of {$1700.00} on acct. Interest {$280.00}. Charge of {$25.00}. Payments of {$1000.00}. Co. claims balance of {$1400.00}. CS and CEO office not helpful. Initial charge on XXXX XXXX, 2016 of {$1700.00} and {$1000.00} payments made. " Deferred interest '' added in for the amount of {$280.00}. Evidently another care of {$25.00}. Payments made online from personal bank account. I called CS this date to clarify and CS related they are unable to access payments but balance of {$1400.00} was correct and due. When asked to transfer to supervisor put on indefinite hold and never answered. Called office of CEO - receptionist referred back to CS general number claiming no alternative to contact accounting department. Called back - operator claimed CEO 's name not available to general public. Company trying to collect {$540.00} in excess of debt. My sense of the company when trying to resolve this was it is somewhat of a game for them and perhaps a business tactic to overcharge consumers. THE COMPANY OFFERS NO VIABLE MEANS OF RESOLVING COMPLAINTS ON THEIR WEBSITE, IN TELEPHONE CONTACT, ETC.
Product: Credit reporting or other personal consumer reports

I was notified by a identity theft monitoring service that my personal data had appeared on the dark web. On XX/XX/year>, I tried to open an account with the government XXXX XXXX and XXXX XXXX E-Verify system so I could self-lock my social security number. I attempted to pass the XXXX XXXX ' Identity Proofing Quiz and have failed multiple times. The multiple choice questions provided inaccurate names of people who have lived with me, telephone numbers that do not apply to me and events that did not happen to me but some data was correct such as mortgage data and car ownership. I complained to XXXX via email. They asked me to contact Experian which is the third-party credit bureau who provides the data for the XXXX XXXX XXXX. I sent a data incorrect dispute letter to Experian on XX/XX/year> and included copies of a utility bill, copy of my drivers license, date of birth, social security number, email address and current address. I received a written response ( report # XXXX dated XX/XX/year> saying they would not investigate the data didn't appear to be from me. I called Experian at XXXX and asked why my dispute wasn't pursued ( the image of my driver 's license was smeared. I was asked to review my credit reports for inaccurancies. None have been found but historical data is not shown.
Product: Debt collection

This is the XXXX attempt by Dynamic Recovery Solutions to attempt to collect a debt that is not mine. In XXXX 2013, I received similar communication from this company on an account that I have never owned. I have never had a XXXX collection account on my name or against me. Now, XXXX years later, I have received similar communication from this company regarding a debt I do not owe.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, the Credit Agencies were reporting these 3 accounts incorrectly : XXXX. XXXX XXXX XXXX with an open past due balance of {$1200.00} reporting. XXXXXXXX XXXX XXXX XXXX with an open past due balance of {$960.00} reporting. XXXX XXXX XXXX XXXX with an open past due balance of {$740.00} reporting. I mailed a letter off to each of them on XX/XX/year> stating pretty much what I stated here. These are collection accounts that are reporting not only as OPEN, but also shows past due balances. 

According to the FCRA, I have the right to an accurate credit report. I sent in letters and the problem wasn't resolved.
Product: Vehicle loan or lease

On XXXX XXXX the car dealership asked for a down payment CASH, but the contract says credit and I payed cash. And according to 15 USC 1692h- they violated your rights when they told you that a down payment was required. Redirect all past payments.

15 USC 1662d ( 2 ) - the advertising of a down payment is illegal.

15 USC 1635, 12 CFR 1026.23 & 12 CFR 226.23 is how you rescind transactions!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurate : 1. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, VA XXXX 3. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the corresponding creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Please send me an updated copy of my credit report to the provided address. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 
I appreciate your time and assistance in resolving this matter.
Product: Payday loan, title loan, or personal loan

Big Pictures loans gave me a loan of {$600.00} on XX/XX/. I made 4 payments of {$150.00} dollars each. First payment was made on XX/XX/XXXX. The Second payment was made on XX/XX/XXXX, the Third payment was on XX/XX/XXXX and the Forth was on XX/XX/XXXX. When I got approved for the loan a person spoke to me on the phone ( I dont know how to write or read in English, as is my Second Language ) and he told me that if I paid everything faster that wont affect my credit, there will be no interest or late fees since I am paying faster than agreed ( I made bi-weekly payments instead of monthly payments ). Now they forcing me pay 6 payment of {$110.00} dollars every weeks in addition to the money I already pay. I understand I need to pay interest but it seems extreme for me to pay all this interest since I already paid the principal. They are taking advantage of me because of my limited English skills and my lack of knowledge of the financial system in this country.
Product: Debt collection

I visited XXXX XXXX Hospital, in XXXX XXXX, California for services and paid for the services at the time for all matters. The bill was for a little over {$100.00} sometime in XX/XX/XXXX or XX/XX/XXXX. I did not have insurance at the time of this visit. I am sure I do not owe this hospital any money since I asked for my bill at the time and paid it in full. I never have not paid for a bill that was due for services or a product I purchased. They are trying to get money from me for something I do not owe. FRAUD!!
Product: Credit card

Unacceptable Lack of Customer Service from Citizen Bank at XXXX XXXX XXXX, XXXX, MA XXXX I am writing to express my extreme dissatisfaction with the appalling level of customer service I have experienced at Citizen Bank. For the past two weeks, I have been unable to access my account due to it being inexplicably locked. Despite multiple attempts to rectify this issue, I have been met with nothing but frustration and neglect from the bank staff.

When I visited the bank in person, hoping to resolve the matter promptly, I was told that the staff were too busy to assist me and that I would have to wait indefinitely. This blatant disregard for customer needs is simply unacceptable. There is a constant battle and long lines out the door to get help from this branch. The employees are constantly on their phone assisting customers!

Even when I attempted to contact the branch by phone, I was met with further obstacles. I was repeatedly hung up on after talking to the branch representative. Not only did they refuse to put me on hold to address my concerns, but they also displayed a shocking lack of empathy and willingness to help.

As a loyal customer, I expect better treatment from my bank. It is outrageous that I am being denied access to my own funds and left stranded without any assistance from the very institution entrusted with safeguarding my finances.

I urge Citizen Bank to take immediate action to rectify this situation and provide the level of customer service that customers deserve. Failure to do so will result in the loss of my trust and my business.