23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this is not about repeated phone calls but since there is no field to select that fits my complaint i had to choose one of them randomly.

My complaint is about Bank of America not giving me a hardship program when my other credit cards did. How do 8 of my other credit cards give me a hardship program and see it fit but bank of america doesn't?

When i call bank of America, they tell me only credit counseling is available because i have outside debt. ( which bothers me cause i told them they were all already closed and enrolled into hardship programs but Bank of America doesn't acknowledge that and skips right over it. Mainly because i believe they don't want to help me.

PLEASE HELP ME!!! i am behind on the Bank of America debt and cant afford to pay the minimum payments.

AGAIN - if my other card companies saw it fit to help me then Bank of America should also. 


Thank you, XXXX XXXX
Product: Credit card or prepaid card

Problem is with Bank of America Rewards Visa Palatinium Plus. 

I had 2 balance transfers on it. One that started on XX/XX/XXXX and expiring XX/XX/XXXX at 1,99 % and the other one that was due to expire on XX/XX/XXXXwas 0 % APR. I called in at the end of XXXX, spoke to representative and asked what amount I needed to pay to cover in full the expiring promotional rate. The lady said it was a little over {$1900.00}. My monthly payment of ( minimum balance plus some extra pay ) was already deducted and I paid additional {$2000.00} to cover the expiring promotion on XX/XX/XXXX. Despite doing so- Bank of America started charging me {$30.00} a month in interest fees claiming that the amount that the amount I paid went towards the other balance. I talked to the representative who did n't really know what he was talking about and asked to speak to the supervisor. Representative came back on line- instead of supervisor. They offered to credit one amount of {$30.00} ( at that point they already charged me twice ) and said I need to pay {$2000.00} to cover that promotion again! I asked to speak to the supervisor who -did confirm that the amount was applied to the wrong balance and forwarded my case to resolution center. They did call me back today. Stated that they ca n't do anything because the amount was applied to the correct ( higher interest ) balance. When I made a statement about hypothetically both balances being at 0 % they still would n't apply it correctly anyhow because they would split it in half- she had no response. I explained to her, that when I called in originally about the balance I did ask what do I need to pay and how to pay it - and that I was not informed about how incorrectly it 's going to be applied. They also could n't answer my question about how was I suppose to make that payment in order for the {$2000.00} be correctly applied to the expiring promotion. When I explained that I going to file a complained with CFPB the representative from resolution center did n't say any other word and hung up on me. 
I have this card for many years and all my payments were always made on time.
Product: Debt collection

foster garbus and garbus XXXX XXXX XXXX XXXX XXXX XXXX XXXX sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.
Product: Debt or credit management

National Debt Relief is not providing the signed POA to creditors in a timely manner and it is causing unnecessary continued collection calls to customers. Even after repeated requests, they have failed to follow through and send the signed POA. They get the POA signed in the very beginning of the process, so there is no reason for them to sit on it and not send it to the included creditors immediately. This is part of their contract and agreement with the customer and it is part of their due diligence to provide it to creditors so collections can cease.
Product: Mortgage

My mortgage payments were not applied even though confirmed and therefore mortgage company ruined my excellent credit rating. XXXX XXXX. Plaza Home Mortgage # XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

15 U.S. 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. They reported the balance to AWA collections in XXXX  They would also act incredibly unprofessional and harass myself and my family members including sending threats such as towing vehicles.
Product: Checking or savings account

I deposited a check into my account on XX/XX/XXXX the deposit slip never indicated when my funds would be available instead I received an email a day later saying the deposit would be held until XX/XX/XXXX. The issuing company stated that they have a dedicated team available to verify checks and fund availability. Truist bank failed to contact the issuing bank nor did the contact the company in question regarding availability of funds. When calling Truist bank I was told the check seems suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Payday loan, title loan, or personal loan

Hello, I wanted to submit a complaint on the company, Klarna. I recently purchased two monitors from XXXX and used Klarna 's XXXX product during check out. Klarna advertised their service as " no impact to credit '' and no interest payments for my purchase. 

I liked this option because I knew in the next few months I would be purchasing a new home. I didn't want to use a form of credit that could potentially impact my score when the mortgage lender did their underwriting. Klarna 's seemed like a perfect fit. 

My mortgage lender is currently in their underwriting process and pulled a copy of my credit report. A " hard '' inquiry is showing from Klarna XXXX XXXX for the purchase. 

In chatting with an agent, they are stating that the " no impact to credit '' does not cover the monthly payment option that I choose. However, their website here clearly says differently ( not to mention its all over their website ) : https : //www.klarna.com/us/customer-service/does-klarna-affect-my-credit-score/ If this information would have been clear to me in the beginning, I would have chosen a different payment product or option that did not impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts open that I have never open. I then started to investigate and pulled my credit to check what all had been open. there are way too many fraudulent accounts open that I am near familiar with. These accountsare not mine. Please remove them. 

XXXX XXXX {$2800.00} XXXX XXXX XXXX {$3100.00} COLLECTIONS XXXX {$140.00} COLLECTIONS XXXX {$1300.00} XXXX CARD XXXX {$800.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX M Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

To Whom It May Concern : I am writing to formally dispute the alleged debt referenced in your recent communication. Pursuant to 15 U.S.C. 1692g, I request validation of the debt. Specifically, please provide the following : 1. The name, address, and contact information of the original creditor.

2. A detailed breakdown of the debt amount, including the principal, interest, fees, and any payments made.

3. Documentation of the chain of assignment, showing all transfers of the debt from the original creditor to your company. This should include : Copies of all agreements, bills of sale, or other documents evidencing the transfer of ownership.

Proof that my specific account is included in the transfer ( s ).

4. A copy of the forward flow agreement or relevant portions thereof, demonstrating your right to collect this debt, and whether it includes my specific account.

Please note that until this information is provided, I do not recognize or acknowledge this debt. I request that you cease all collection efforts, as required by law, until proper validation has been completed. 

This request ensures that the debt collector is held to a high standard of proof, increasing the likelihood that only legitimate debts are pursued. 

DO NOT SEND ME NO STATEMENTS! SEND ME THE ABOVE MENTION. IF NOT, DELETE IMMEDIATELY!! 

XXXX XX/XX/year> XXXX XXXX
Product: Debt collection

This medical collections company started calling my cell attempting to collect on debts from someone else. They confirmed on 2 separate occasions that it was not my debt ( it was for a XXXX  bill from an imaging office in XXXX XXXX, FL ). The company also released the name of the debtor to me on one of my conversationswith them. I told them twice to remove my number : on XX/XX/XXXX and XX/XX/XXXX ; but they continue to call me. Last call received on XX/XX/XXXX. 

Caller ID shows either " Bill collector XXXX hospital '' or " XXXX XXXX XXXX ''. 

It was also curious that they started calling on the first days the COVID19 stimulus deposits started coming to people. I've never before gotten collections calls on this number since I got it four years ago ... so, it looks some of these collections companies are culling through old lists attempting to coerce or bully people into paying now that they have these stimulus funds.
Product: Student loan

I graduated collage in 1995 with {$23000.00} in loans. Ten years later I owed over {$50000.00} and today I owe almost {$80000.00}. It seems like the more I pay the more I owe. The first ten years I had some financial difficulties due to a bad marriage. My then wife was paying the bills and without my knowledge she took a forbearance on my student loans. For the past ten years I have been on the Income based repayment plan and every year my balance goes up.

Last month I called MOHELA to ask why my balance keeps increasing. For the first time I was told that my plan doesn't cover my total interest and the remaining interest is added to my account.

I then asked how long I have been on the plan and the information I get is confusing. One person says I have about 9 years in and another person says I only have about 3 years. Through a work benefit I went back to school to take a few classes and MOHELA automatically put me on deferment. I was told this deferment time would count towards the 20 years and I was told it was not. I have asked for confirmation and was told they would send me a letter explaining how much time I have but no letter has been sent in almost two months. If I do get the letter how do I know I can trust the information? If  forgiveness is a benefit of this program they should provide you the amount of time remaining in the monthly statement.
Product: Credit reporting or other personal consumer reports

I uploaded this to Experian and XXXX, and this is still on my credit report as accurate according to their results. I have the pdf that states paid in full from the company. On my XXXX, it shows on my credit report and has a {$0.00} balance owed.
Product: Credit card

Was give a {$25.00} prepaid XXXX giftcard Through myprepaidcenter for signing up for XXXXXXXX XXXX XXXX XXXX. The card was difficult to claim and expired before I could use it. myprepaidcenter has refused to issue a new card.
Product: Credit card or prepaid card

( 1 ) I have an existing and active Capital One credit card with a maximum credit of {$400.00}, and on XX/XX/XXXX, XXXX XXXX XXXX transacted an unauthorized amount of {$39.00} on to the card ; ( 2 ) Resolving the issue with XXXX was to no avail, so I contacted Capital One to dispute the transaction on the grounds that XXXX has not provided me with any showing by way of the video, and the amount of the toll ( s ) ; if such occurred ; ( 3 ) In response, Capital One took my rendition of the facts, informed me that they will investigate, and cancelled my card ending in XXXX, and issued a new card ending in XXXX ; ( 4 ) Upon completion of their investigation, Capital One sided with the merchant-as they always do ; yet, failed and refused to provide me with evidence of the basis by which I brought the dispute. In addition, Capital One informed me that if the merchant was to reinitiate the transaction, that Capital One will not allow me to dispute it, and that the reinitiated transaction will stand ; ( 5 ) Capital One has failed and refused to provide me with a video of the car going through a toll multiple times, and the price of the toll ( s ) ; which can only be substantiated as fact via the State 's XXXX website. Without this information, Capital One 's decision is not founded on the facts, but erroneous and baseless assertions by XXXX. In addition, XXXX is charging a {$30.00}, admin fee, a junk fee, that I never agreed to by any showing of my signature; ( 6 ) In addition, Capital One asserts that their reason is due to my having a 'relationship ' with the merchant and that it is not fraud. ( SIDE NOTE : Fraud and unauthorized are two entirely different concepts and Capital One 's dispute structure is designed to place a hidden veil on the latter when it comes to disputes to one 's card transactions. ) ; ( 7 ) Thus, Capital One issued me a new card ; yet, told me that " if '' the merchant chose to reinitiate the ( unauthorized ) transaction that they will allow it to stand. Yet, on XX/XX/XXXX, XXXX reinitiated a new unauthorized transaction. How could this happen unless Capital One provided XXXX with my new card number ; thus, aiding XXXX in the fraud? Lastly, Capital One has not provided me with any documents from XXXX showing by my signature that I specifically, agreed too, or waived any dispute against XXXX for unauthorized charges AGAINST a new card number. Let me repeat that, a New Card number, not the old card number.
Product: Checking or savings account

I have about {$14000.00} in my XXXX XXXX 's " XXXX XXXX. '' I have been trying to withdraw for over XXXX weeks now. I've called and called and called. I have been told they can't verify my mobile number, saying it's a prepaid phone number. This is my only mobile number. This is wrong, almost sounds weak to me. I have a post paid XXXX XXXX number and I haven't ported my number recently. I've had this mobile number since 2011. 

" We can't send validation codes to prepaid phones, '' I was told. I replied, " It's NOT a prepaid phone line, I have post-paid XXXX XXXX '' Nonetheless, I offer any other information to jump through this hoop. " Nope, that's the only way, but I'll file a case for you and someone will call you back. '' After XXXX weeks and numerous follow-up calls, I keep getting the " I'll file case and someone will call you back. '' I'm extremely frustrated since I keep hitting this brick wall. 

I need part of this $ for a car down payment. No one at XXXX seems to care. This is my money, I've offered any validation data they need, if it's indeed a security issue. I feel they don't want to give me my money, honestly. What gives??!?!?! 

Please, please help My, again MY money is being held hostage for no reason!!! No one will actually help me resolve this and the issue ( from what I've been told ) seems to be on their part. MY PHONE NUMBER IS NOT PREPAID. Nonetheless, there should be other alternatives for validation. 

XXXX " XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've pleaded with the CRA 's to stop inaccurately reporting this account to my consumer profile. This debt has been discharged, per the remarks on my report the creditor has stated this account is profit/loss and has been reported to the IRS The continuous reporting of a charged-off account as " updated '' each month by the is in violation of Section 623. 
FCRA requires furnishers of information to report accurately. Once an account is charged off, it represents a final status, and updating it monthly can mislead creditors by making the account appear more recent or active than it is, which is inaccurate reporting. 
This account is no valid and is now considered income. income can not be reported to a consumer profile. The 1099c has been issued and this account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im at wits end. I have no idea what is going on over there at the CFPB. You claim Im not the one submitting it. This to me is crazy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. So Im submitting it again hopefully for the last time. XXXX and Equifax have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA.

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 XXXX Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.