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

Seeking assistance and intervention regarding a hold placed on my funds by Bank of America, and the difficulties I have encountered in attempting to resolve this matter. 

I recently started working for XXXX XXXX on XX/XX/XXXX after a prolonged period of unemployment. It has been a challenging time for me, as I have fallen behind on my bills and financial obligations. The recent hold on my funds has exacerbated my situation, making it even more difficult to meet my immediate financial needs. 

I have made numerous attempts to contact Bank of America to inquire about the hold on my account and seek a resolution. However, despite my persistent efforts, I have been unable to reach a representative who can provide me with the necessary information or assistance. The bank 's customer service line directs me to the same number repeatedly, resulting in no response or resolution. This lack of accessibility has left me feeling frustrated and helpless. 

Given the urgency of my situation, I kindly request your intervention to help facilitate communication between myself and Bank of America. I believe that with your involvement, we can bring attention to my predicament and prompt a timely resolution. 

Enclosed with this letter, you will find detailed documentation of my attempts to contact Bank of America, including dates, times, and phone numbers called. I have also included relevant information regarding my employment with XXXX XXXX and the impact this hold has had on my financial well-being. 

I sincerely hope that you will consider my complaint and take appropriate action to address this matter. Any assistance you can provide will be greatly appreciated, as it will enable me to regain access to my funds and meet my financial obligations. 

Thank you for your attention to this matter. I look forward to a prompt response and resolution. 

Bank of America only gives me this phone # that no one answers- XXXX
Product: Student loan

My loan was transferred from University of XXXX to Heartland ECSI last month. I had my account set up on autopay and noticed it did n't get withdrawn. I received a letter from Heartland ECSI informing me that they had taken over the servicing on my loan. The next day I received a statement from Heartland informing me that my account was past due. I went on to their website which was very difficult for me to navigate and scheduled a payment. They took the payment and then returned it stating it was NSF. I contacted my bank who informed that there was no issue with the bank account. 
Heartland then assesed me a {$25.00} late fee on my account. Worried about my perfect payment history I logged back in and scheduled a one time payment today, XX/XX/2016, including the late fee. When I went to submit my payment they also charged me a {$5.00} " convenience fee. '' I feel that they messed up in the time they took to notify me of the transfer of my account and it is having a derogatory impact on my financial well being. Ive always made my student loan payments on time and due to the Heartlands incompetent system I am now being penalized.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACOUNT # XXXX. HAS VIOLATED MY RIGTHS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTIOM 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION
Product: Debt or credit management

I'm not sure if this is the right thing I'm looking for. A company said I had a credit card with them. I which the card never came. I told them this. Then I looked at my credit and now I owe them
Product: Credit reporting

XXXX of XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution. This is on my experian credit report file.
Product: Credit reporting or other personal consumer reports

I am writing to address severe discrepancies I discovered during an investigation of my credit report, which has significantly impacted my mental well-being. Upon thorough review, I uncovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

As stipulated by the Fair Credit Reporting Act, it is imperative that all information on my credit report be 100 % accurate. However, I have identified several accounts that are in direct violation of this mandate, as outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I have attached copies of all correspondence previously sent to your agency regarding these discrepancies for your reference. 

I expect prompt and thorough investigation and resolution of these issues in compliance with federal law. Failure to address these violations will result in further legal action.
Product: Student loan

I co-signed a loan for my brother in XX/XX/XXXX it is now XX/XX/XXXX and these loan balances have not decreased. Recently they placed him on an annual autopay and they let it lapse, then he gets late fees and interests. They keep resting the clock as he has made XXXX straight payments, but will not release me from the loan. Recently he did not make any payments and I was not notified. My credit score dropped XXXX points. Recently, I paid {$1600.00} to bring the loan up to date. Now they have set him up on an auto pay plan which will not go into affect until XX/XX/XXXX. Therefore, XX/XX/XXXX he will not have to make any payments but they will now charge him " admin forbearance '' which will had another {$400.00} on top of his loans.
Product: Checking or savings account

I was automatically declined for a US Bank checking account without explanation. This means I will miss out on their {$500.00} bonus sign-up that expires in 2 days. I have already had trouble and faced rejections for being a XXXX  woman from other banks as systems think my legal name change is fraudulent. I would like clarity and verification for the reason why I was rejected.
Product: Credit reporting or other personal consumer reports

A collection account from XXXX XXXX XXXX reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXX apartments was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.
Product: Mortgage

XX/XX/2016 started loan application with CashCall Mortgage. By XX/XX/2016 I had provided them with all requested documents. The appraiser they selected cam out XX/XX/2016. The agent was telling me he had locked our loan at 3.625 % no fees and cash back loan 30 yr fixed. Said he needed all docs signed and sent back. I informed him he had not sent me anything. He tried to send them by XXXX XXXX, but said they were having problems with the software. The processor was able to send them to me and we electronically signed them and got confirmation from her that she received them the same day XX/XX/2016. The agent then calls me and tells me they are not going to fund the loan because the lock is going to expire and I did not get them the docs back in time. They sent us a XXXX with the same docs that we signed electronically, and we sent it back also the same day. I argued and asked to speak to his manager. That has never happened, and our loan has not funded. I am extremely upset about this. I need some help to get this loan funded. Closing Disclosure dated XX/XX/2016 signed the same day. Closing date was to be XX/XX/2016 and Disbursement Date XX/XX/2016. Please help.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attended XXXX XXXX University. I thought I only borrowed federal loans for school, however, it looks like I borrowed a private school loan for 15,000 at 11 %. I began paying it because I started receiving the bill at my mothers house. Then I was going through a child support issue and I could not pay the bill. I asked to file for a forbearance and they said I could but a few days later the loan went into default. I called AES and they said the agent should have told me I needed to complete the form immediately. I tried calling the collection agency to create a payment plan and they refused. XXXX XXXX threatened to take my Mother 's house and her retirement. I called AES to have them release the contract and they could not find it. They had my birthday as XXXX when its in XXXX. Now I 'm thinking this might not be my loan. My XXXX XXXX loans were completed with federal loans. So now I 'm clueless because XXXX XXXX XXXX wants 23,000 dollars paid in full. I am a XXXX and do n't have that kind of money.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there is a instance of a late payment reported on an account with which I have consistently maintained a flawless payment history. 

Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that the information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on payments for the account with identifier [ XXXX XXXX XXXX  Account Number : XXXX ]. 

I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " Paid on time ''. 

Also there have been inaccurate and inconsistencies being reported from XXXX XXXX XXXX, that reflect different results on my consumer report. Please investigate. 

Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously with the utmost attention to accuracy. 

attached is my identification to ensure my identity
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section
1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Experian and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This is showing to be late but it also says its been transferred. Additionally, the balance is already {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX )
Product: Debt collection

I have recently had an account added to my XXXX credit file only and I have requested several times to the company by telephone as well as to XXXX for verification or ownership, validation of debt and moneys owed, I have requested proof that this is owed and not received anything. 

I also never received notice that this would be added to my credit file or if I could dispute. This needs to be removed from my credit file immediately as they are not cooperating.
Product: Debt collection

It was taken off one credit bureau but not the others. I was not responsible for it due to the fact I had Medicaid. It is {$2900.00} through gem recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

The information currently reflecting on my personal credit from the " XXXX XXXX XXXX XXXX XXXX '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Product: Credit card or prepaid card

I was working with consultants to help me grow my businesses. These individuals gave my business cards to other individuals who were trying to use my credit to travel and make purchases without my consent. I tried logging in to my account a couple of months ago and my personal credit card was closed. 

When I called to inquire about this, I was told that all my chase credit cards were closed, including personal and business.
Product: Vehicle loan or lease

I'm filing a complaint regarding an auto loan payoff with US Bank, specifically surrounding the lack of communication, the inconsistent information provided by US Bank reps, and the timeframe it has taken to close out my account and obtain a lien release. 

On XX/XX/2021, I called US Bank to inquire about my auto loan payoff as I needed to sell my vehicle. The rep I spoke to informed me it would take up to XXXX business days to process the lien release after payoff. I proceeded to pay off the loan on XX/XX/2021. 

After not receiving the lien release nor hearing anything from US Bank, I called on XX/XX/2021 ( XXXX business days after payoff ) for a status update. I was now informed that my loan account was still open and the lien release wouldn't be processed until account closure, which the rep informed me would occur on XX/XX/2021, the date of my statement closure. From then, I was told it would be another XXXX business days for the lien release to process, information that was inconsistent from what the 1st rep I spoke to. 

Today, on XX/XX/2021, upon checking my account online, I no longer had access to my monthly statements. I again called US Bank to inquire about the missing statements and for the payoff status. The rep I spoke to, XXXX, explained the account just closed on XX/XX/2021, and that it would now take XXXX business days for the lien release to be processed, not including mailing time. She indicated the timeframe for payoffs is XXXX business days from the time of payment ( XXXX business days to process payment XXXX business days to close the account + XXXX business days to process lien release XXXX mail time ). 

I am beyond frustrated with US Bank, and being unable to sell my car despite paying off my loan over XXXX weeks ago. See below for my questions : 1. Why did I receive XXXX different responses from the XXXX different reps I spoke to? 
2. Why does it take XXXX calendar weeks to process an auto loan payoff when other lenders do so in less than half the time? 
3. Why are all my loan statements no longer available on my online account? 
4. Why have I not received any communication, written or verbal, from US Bank confirming my payoff or providing a timeframe on the lien release?
Product: Credit card or prepaid card

Thinking to close this account because I want to pay off the balance which is about {$100.00} but the company is holding back some of the charges making me have to pay in small amounts instead of the entire balance. There was a recent lump charge of {$100.00} made but the charge is showing up partial so I can't pay the whole lump off in one payment. I looked for info on their site on how to close account and it said : Sign in to your account, select More Account Services and follow the directions under Close Account. 

But there us NO 'More Account Services ' link in my account. There is NO email option in my account to contact them that way either. I keep getting error messages when trying to submit feedback to their help page. I am busy and don't have time to wait on the phone to close this account when I'm ready. I need an online or email option.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX performed an extra hard-pull when I requested to have my boyfriend added to my existing least. I was informed that they would be doing a 'soft pull '. When I questioned the rationale for needing to perform a soft pull on my credit again ( after the original hard pull when I signed my original lease on XX/XX/XXXX for a XXXXr lease ) I was assured that a soft pull would be made, which does not have much impact on your credit score. After confirming again that it was actually necessary ( as the second supposedly soft pull was to be made only 7 months after the initial hard pull for the XXXX lease agreement ) I said 'ok ' so we could proceed. I felt funny about allowing another pull, even if it was supposed to be a soft pull but trusted the Property Management company was operating under professional ethics. Upon checking my credit report soon thereafter I made the discovery that a hard pull had been made again on my account ( dated XX/XX/XXXX ). 

Once I realized the hard pull rather than soft pull had been made, I attempted to resolve the matter, multiple times, directly with both the property management company XXXX XXXX. XXXX ) and through their hired tenant screening company XXXX XXXX XXXX XXXX XXXX. I was unable to resolve the matter using this approach. Today I logged on to XXXX again and inquired via Live Chat how I could go about disputing the mistake directly with XXXX. I was instructed to resolve the matter directly with XXXX  XXXX and/or XXXX XXXX XXXX. When I reported that I had already attempted to resolve with these companies, and what my options were, I was told that if I were to file a dispute directly with XXXX, I would receive a letter stating that my only option is to resolve directly with the entities who made the hard inquiry. So, I'm stuck. I am unable to receive assistance from either XXXX XXXX or Rental Property Solutions directly so I am seeking guidance now from the CFPB in hopes I can better understand and resolve the issue. As I begin looking to purchase a home, having the most accurate and timely information on my report is of the utmost importance. 

Thank you for your time and help with this important matter.
Product: Student loan

My wages was garnished by AES with a 3rd party contracted company. This took place roughly from XXXX. I did not have a signed contract with this 3rd party ; which made it unlawful to garnish my wages.
Product: Credit reporting or other personal consumer reports

Below attached is my common law Copyright notice and lien for the straw affidavit received from the XXXX XXXX XXXX XXXX that I previously published in the legal section. My Certificate of Authority from the XXXX XXXX XXXX of State, My Copyright number, and affidavit. Both Parties are wilfully in violation of my XXXX XXXX XXXX, and Constitutional Rights. My Rights to privacy are first, I never consented, contracted, or agreed written or orally with either party, yet they continue to violate my rights and neglect the laws.
Product: Mortgage

BB & T, XXXX XXXX XXXXXXXX, XXXX SC XXXX included as part of my monthly mortgage payments my homeowners insurance premium. B B & T then did not pay my carrier.
Product: Mortgage

Nationstar XX/XX/XXXX. Spoke to XXXX. I explained for the 20th time that I am owed 2 months of PMI that would equate to around {$500.00} or {$600.00}. She transferred me to a Supervisor from escrow? After a 30 minute wait. XXXX. Manager in customer service of NS. Said he would follow up with me by XXXX but would call me or email me if he learned something sooner. 

XX/XX/2016 XXXX with Nationstar. Said he could not find my signed form to get my credit for the {$5000.00}. This is at approximately XXXX FL time. Then I talked to XXXX said she was a manager. Said she sent a notice to the dept that handles the {$5000.00} credit to let them know it needed completed. Next I spoke to a PMI manager. Well then she said he stepped out. Said she would call me back in 30 minutes about the PMI. And in a few days she would call me back about the {$5000.00}. XXXX manager of PMI called me at XXXX. Said it 's probably been too long since it happened. Not my fault. I 've asked almost every month. 

XXXX called me again XX/XX/XXXX at XXXX and now said my PMI should not be removed until XXXX but since it 's off now they 're not going to add that back in. He said my payoff has to be at 78 % to have PMI removed. I 'm at 75 %. Sounds like falsification to me. He said the PMI should not come off till XXXX. 

XXXX also said he sees where the {$5000.00} incentive was to come off in XX/XX/XXXX. But he also said he sees where Nationstar requested it from the government on my behalf on XX/XX/XXXX. Something smells fishy These are my notes of just some of the dealings I 've had with Nationstar in hopes of 1. Getting my correct refund for overpayment of PMI and receiving the {$5000.00} credit off my principal. Now there 's a third issue. I made my regular monthly payment in XXXX. I have the confirmation email that was sent to me. But the funds have not been removed from my account I called and spoke to Nationstar and I called my bank and I have sent them three emails and this is still not been taking care of.
Product: Consumer Loan

My car was total due to a car accident on XXXX/XXXX/2015 and my insurance company sent a check to the finance compy. I was told that I did not owe anything on my loan that the check paid off the loan..now they are requesting me to pay XXXX to pay the loan off. I chatted with a rep online who advised me that my balance before the insurance sent them a check was {$4500.00} and the payment sent in from the insurance compy on XXXX/XXXX/15 was {$4400.00}. That leaves me a balance of $ XXXX..yet they want me to pay {$490.00}. I refuse to pay this amount because I think that they are overcharging me. When I look at my account online I do not see any payment for {$4400.00}. The online chat person stated that they applied the payments to my loan in XXXX separate payments totalling the amount of {$4400.00} and typically the payment is applied to interest, principal, and then fees. So I asked him what is the balance of {$490.00} is for? Was it for fees? He stated that there are no fees associated with my account. So why am I having to pay {$490.00} instead of the {$120.00} that should be left on my loan. Please help me since this affecting my credit. I am a senior citizen, XXXX woman and I think that this finance company is not applying my payments correctly. Thank you.