23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, i have some concerns regarding my loan modification with my bank Bank of America. Bank of America placed a foreclosure sale of my home for XX/XX/2018 at XXXX XXXX. 
I provided Bank of America all of my documents for a review for a loan modification. They said they have all the documents and they do not need anything else. Bank of America told me that my loan modification is undergoing review process and is in review with the underwriters. I checked online and checked with the trustee my home is still on foreclosure sale. Bank of America has not taken my home off foreclosure sale even though they are reviewing my loan modification. Im very stressed and worried that they will foreclose on my home even though im in review process. 
I know if they continue the sale they will be in violation of the California Home Owners Bill of Rights. They have to right to sell my home if they reviewing me for a loan modification. 
My concern is the sale is coming up shortly and they will not remove the sale.
Product: Credit card or prepaid card

Company involved : Barclays I use a priceline Barclays card and have noticed recently that I am not able to make a payment more than the current balance shown in the app. 
Basically, if my statement closing date is XXXX day of every month and I use the Barclays credit card to make a payment on XXXX or XXXX, and  if the balance is not posted on same day, I wont be able to make a payment towards that amount until it is posted.

If it is posted on 6th, its highly likely that my statement generated on XXXXh will have that balance and as a consumer, I would be denied the opportunity to have a XXXX balance at the end of cycle. 

Basically, Barclays is stopping me ( customer ) to make a higher payment than current balance and denying me the option to have XXXX balance on my credit report. 

Im sure multiple customers are impacted by this and Barclays is denying their customers the opportunity to have a XXXX balance at the end of statement cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple disputes with Equifax to have 4 accounts on old student loans remove from my report. Per the Department of Education loan rehabilitation program, upon completion, the old loans were to be removed from my report and the new holder of my loans replaced it. I have sent the letter to Equifax on 3 separate occasions asking for the accounts to be removed and they have not complied. 
It is ILLEGAL for Equifax to continue to report these accounts! I have enclosed a copy of the letter from the Department of Education instructing that the previous loans be removed from my report. Equifax claims to have " verified '' the accuracy of these loans, but this is not possible as other bureaus have already removed the accounts and there is proof that they have been instructed to remove the accounts by the original creditor.
Product: Checking or savings account

In XX/XX/XXXX, I applied for and was approved for the Chase XXXX XXXX credit card. After receiving my card in the mail, I attempted to link the credit card with my existing Chase bank online account. I have been banking with Chase for 12 years so when I received multiple errors, I called Chase for support. They informed me that I would have to go in person to a branch to fix the problem. I went to the branch in XX/XX/XXXXand told them my situation. They said that the social security numbers on my accounts do not match and to fix that problem, they gave me a form to fill out at the branch. I filled out the form and the banker took it and told me that my accounts are now linked. From XX/XX/XXXX - XX/XX/XXXX, I received no notice that anything was missing or that Chase needed anything from me. In XX/XX/XXXX, I noticed all my bill pay was being rejected or returned. I personally called Chase on XX/XX/XXXX to see what was wrong with my accounts and they informed me over the phone that my accounts are now locked due to missing information regarding my social security number. The person on the phone informed me that I must fill out the necessary forms at the branch and have them scan it right away so that my account can be unlocked. I went to the Chase branch on XX/XX/XXXX. I waited ONE HOUR before any bank teller could help me. I told him my situation and he gave me another form to fill out. I completed the form and was told that it would take 3-5 days before my account can be unlocked. I waited until the 5th day and on XX/XX/XXXX, I called Chase again. They informed me that there was still a form missing and that the banker did not give me the correct forms to fill out, as a result, my accounts will all be closed and there was nothing I could do about it. I told the lady on the phone that I really needed my money so that I could pay bills because it was the beginning of the month. She informed me that if I called back in the morning, I could ask to have my check overnighted to me so that I would not have to suffer late fees as a result of their errors. I called back the next morning and was informed that the check was already in the possession of UPS and there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX & XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account : XXXX, has violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, 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.
Product: Consumer Loan

I got my car from the dealer and I realized 6 months down the road when no bank wanted to refinance my vehicle, that I was truly duped with my car. Inspite of my very good credit they just would n't do it because the other banks said my car was sold way over its value I have been paying my car faithfully even before the due date but the lender refuses to give me a better percentage. I 'm stuck at 11 percent. My car has been to the mechanics for factory problems since day one. But I do n't want to ruin my credit so I continue to pay it. I 'm hard working productive member of society and it needs to be looked into. The loan company has gotten sued many times from the research I made.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate bankruptcy information that has been reported on my credit file. The bankruptcy reported is erroneous and can not be verified through reliable sources. I have diligently contacted XXXX, XXXX, XXXX, XXXX, and LexusNexus to validate the bankruptcy they are reporting, and each has confirmed they received their information from the Bankruptcy Court. 

However, according to the U.S. Bankruptcy Court, Central District of California, they explicitly state they do not report information to any credit reporting agency, as they lack jurisdiction over such reporting activities. This discrepancy indicates that the bankruptcy on my credit report is not valid and violates the Fair Credit Reporting Act ( FCRA ). 

I am enclosing a link to the U.S. Bankruptcy Court 's statement verifying they do not report or validate any information to credit reporting agencies, as instructed by their customer service, to support my dispute. Therefore, the information on my credit reports did not originate from the U.S. Bankruptcy Court and can not be validated through legitimate source. 

https : //www.cacb.uscourts.gov/credit-report-and-court-records
Product: Debt collection

The debt was originally with Climb Loans/UAS/Climbinvestco. I reached out to climb XXXX on XXXX XXXX to advise that I would like to pay the debt. I was advised that the loan was no longer with them and given to collection company Kinum Inc. The loan was sent to the collection company Kinum Incorporated. I paid the debt off on XX/XX/XXXX in full and was advised that Kinum Inc. would send a letter to delete the debt to all the reporting credit bureaus within 90 days of payment. I received a letter through email from Kinum on the date of payment XXXX XXXX that I paid the debt, that I will attach. As of XX/XX/XXXX the debt remains on credit report with XXXX. I called and spoke with XXXX at Kinum on XX/XX/XXXX and was advised that they had sent communications to XXXX to delete the debit. I advised XXXX that the debt was still present and XXXX advised that I needed to deal with XXXX directly. I called and spoke with a rep at XXXX that same day as to which I was advised they had not received any documentation from Kinum Inc. 

The account number of the debt is XXXX
Product: Debt collection

Franklin Collection Services showed up on my XXXX credit report. With the law that just passed. Medical debt under {$500.00}. Can no be reported on any credit report. I am going to sue Franklin Credit Services. For reporting debt that is illegal.
Product: Credit reporting or other personal consumer reports

The payroll tax documents were issued and filed incorrectly putting my personal name instead of my business name also even though they signed my company up as a tax account they later changed and said it was no longer a tax account even though money was taken out for payroll taxes. The liability there is high and I still have no word on any resolution however without my taxes getting corrected I can not get a ppp or ERC. Nor do anything for my business since 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters via certified mail to notify Experian that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for Experian to update my address and personal information. My Experian file should only show one address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is reported that I was 30+ days late on a Bill. On XX/XX/XXXX the company listed above charged me a fee of {$39.00}, prior to that day this account had a XXXX balance. 

On XX/XX/XXXX, I received a notice from a credit monitoring service that a delinquency was reported to my credit history by XXXXXXXX XXXX XXXX. I signed into my account with XXXXXXXX XXXX XXXX and observed that they charged me this {$39.00} fee which had a due date of XX/XX/XXXX. I immediately paid the balance. However, I never received a paper bill, an electronic bill, late notice, and/or a phone call that I had this balance with them. 

I contacted XXXX XXXX on XXXX XXXX and spoke with a representative and advised that I never received any notice of this bill. The representative advised that no bill was mailed or no electronic statement was sent. The representative advised a dispute would be put in to have the delinquency removed and advised it would take up to 14 days. 
On XXXX XXXX the delinquency was still showing so I followed up with XXXXXXXX XXXX XXXX and spoke with a representative who advise that the dispute was approved and should show removed. 

On XXXX XXXX the delinquency was still showing, so I contacted XXXX XXXXXXXX XXXX again about the matter and was transferred to a supervisor. The supervisor advised that the dispute was denied. After providing all the above details to the supervisor, she advised that no notification was made because the email on file was not valid. I provided her with my email of XXXX, and she advised that email was the one they had on file. Also in the past Ive received previously from XXXXXXXX XXXX XXXX  electronic statements. She also advised that someone attempted contacting me at XXXX ( my cellphone number ) on XX/XX/XXXX at XXXX pacific time ( XXXX central time my time ). I check my phone records and did not have an incoming phone call at that time. The supervisor advised that she would put in another dispute form based on the above information. 

On XX/XX/XXXX the delinquency was still showing, I contacted XXXXXXXX XXXX XXXX again. I was again transferred to a supervisor. The supervisor advised that the dispute was denied. I was instructed to mail a letter to dispute the matter. 

I am requesting an investigation into this matter and requesting that these delinquencies be removed from my credit history. Its apparent that an error occurred in regard to notify me of the bill, which I was capable of paying if aware of it, and I am paying the consequence of that error. I have never been late on any of my bills since being with XXXXXXXX XXXX XXXX  and Im willing to take this as far as necessary to have this removed because this is a very serious matter to me.
Product: Credit reporting or other personal consumer reports

Inaccurately reporting my private information is against the law under you and this company needs permissible purpose. Attached is proof of the information being inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting

XXXX XXXX, 2015 I went online to EXPERIAN and thought I was taking advantage of a Great {$1.00} DEAL to see my Credit Score? While that deal was visible in a LARGE font, BURIED somewhere on that page in tiny print apparently was some nonsense about a subscription and a {$21.00} recurring monthly billing charge? Neither I nor I 'd imagine tens of thousands of other consumers are EVER aware of this subscription service and monthly credit card charge UNTIL it 's too late and they are stuck on automatic billing? To be VERY Clear, I did not seek nor intend ANYTHING other than a {$1.00} charge to my credit card for seeing my credit score on that day, I had NO IDEA of any additional financial commitment on my part. And ANY company doing business like this needs to be XXXX, this is an outright intended and deceptive, despicable business practice essentially " Tricking '' consumers into a monthly charge for a service they were n't aware of NOR Ever INTENDED to activate? I FINALLY Canceled the UNKNOWN subscription service, but of course they refuse to credit the {$21.00} service charge. I wonder how much money they 've 'snookered ' from others, I 'd bet its MORE THAN ENOUGH to Pay a HEAVY Fine to the CFPB! This is a SCAM, and made even worse given this just XXXX of XXXX ( XXXX ) MAJOR Consumer Reporting Agencies?? I 'd note these Credit Reporting Agencies still have n't suffered any COSTS, FINES or PAIN for their extensive involvement in the Housing Collapse and Financial Crisis? Please help me get my {$21.00} credited back and PLEASE make them add something BIG & BOLD, something that helps other HONEST CONSUMERS avoid this scam. Thank YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX reported late payments when they were XXXX XXXX
Product: Debt collection

I actually have two issues, but the site would only let me select one. So along with the repeated phone calls they also used language that was perceived as threatening. This phone number has called me 33 times between XXXX and XXXX which is definitely in line with harassment. Their number comes up as a potential scam number on my phone, so I have not been answering. I finally decided to call back. The agent identified himself, but not the company he worked for and asked for my name. I did not give him my name because my phone has said this is a potential scam caller. After some back and forth he said word for word that " I was screwing myself by not listening to him and this could mess up a lot of things for me ''. I have this whole call recorded. He hung up on me and I called back and explained to the new agent what happened. He removed my number from the call list, but that still doesn't excuse the way the first agent talked to me. His words were very much perceived as a threat.
Product: Debt collection

Rash Curtis & Associates a debt buyer/collector shows on my credit report with the original creditor as XXXX XXXX. XXXX XXXX is a property management company in my general area I assume rents properties. I have never done business with either of these companies. Shows an open date of XX/XX/2014 I have been in a motor home the last five years. Not my debt. Please remove from the CRA 's
Product: Bank account or service

On XXXX/XXXX/2017, I transferred {$5500.00} to my spouse 's Roth IRA accounts from checking. During the transfer, final step, the site crashed. I relogged in, as far as I can tell, the site showed that transfer did not take place. I again made the transfer, 2nd time. Note that during the transfer, it specifically ask for the contribution amount and the year. Had it gone through, I figured ( wrongly ) it would prompt me that this has already taken place for the current year and maximum has been reached ... 
The next day, I learned that the transfer occurred twice. Brining my checking balance {$5500.00} below what I had anticipated. I knew this was going to be a problem because I have several auto-payments pending. I called the bank on a Friday and the banker said the balance would be reversed on Monday. The following week, no reversal. I called again and after multiple transfers ( again ), I was told that I need to fill out a form and fax it. I hung up. Drove to the bank in person and asked the banker to reverse the transaction. Incredulously, he too got on the phone, went through multiple people and said that I needed to fill out a form and fax it ... I finally got a form over a week later and faxed the form. I spoke with a Manager on the phone and was told that it will be funded within 2 days and overdraft fee ( XXXX/XXXX/17 ) on my credit card account will be reversed ( incurred due to 2nd {$5500.00} removal in checking account ). He promised that he would call me if there was any problem. No call. A week later, I called and spoke with various manager about the situation and finally added additional information to the form ( source of the hold up - despite WF having this vary information ). 

Because I could not trust WF to do their part, I made a deposit of {$500.00} on XXXX and {$3000.00} on XXXX. This was a huge financial disruption! 

I specifically asked the Banker for a call from WF Management. No call but my checking account was finally funded on XXXX/XXXX/2017. 
The overdraft fee of ( {$12.00} + {$0.00} interest charge on cash advance ) still has not been removed. 

Dealing with WF for any problems, it 's not possible to talk to the same person resolving your problem - therefore there is no accountability. No-email nor direct lines. They wo n't even give out their full name. WF requires any forms to be faxed. You can e-mail me a form but I have to Fax it ... I 've refaxed other documents multiple times and have given up trying to contact you about it ... The only response I get is " we do not have it '' please re-fax even though I had your WF office do it, again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed the inaccurate, false reporting by XXXX XXXX XXXX from XXXX, XXXX despite by multiple attempts and disputes. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My right have been violated. 

XXXX XXXXXXXX Account : # XXXX & XXXX XXXXXXXX Account # : XXXX These accounts are being reported inaccurately and by law everything must be 100 % accurate across the board. 

The laws are clear : 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 an account without my written instructions 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. 

With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. 

And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. 

Shows blatant violation to my rights based on the FCRA.
Product: Credit reporting

Was never late on payments ... needed a extension of XXXX payment because or the IRS payment. on payoff day it was outrageous amount of XXXX ask for a settlement amount because i had already payed the principle part in full immediately I never could get payoff. they never sent my title for 3 months and filed this report did not say or warn me this could or would happen. Or I would have paid the STUPID {$280.00} for there cheap shot. and its 6 years NOW
Product: Checking or savings account

I was victim by fraud online investment. I found a XXXX XXXX  ( XXXX ) XXXX on XXXX advertising short video that I DM him that I was interesting to join class learning how to investment work. I may believe with him I may will successfully with investment. since a month late XX/XX/year> Unfortunately I found out that he refuse give me XXXX, he try to push me hard I pay him more and more. I use XXXX to coach 's student XXXX XXXX with {$4200.00}, I decide to stop pay and block all his account XXXX, XXXX and XXXX, I head rumor He is unlicensed of business investment. I want to get my reimburse. I want bank will no decline and will refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 
I am finding that Transunion is having a lag in their credit reporting especially when it comes to properly reporting the credit available, credit account information, and when disputed it took them over 3 weeks to review but it's an ongoing issue. I don't have these issues with XXXX  and XXXX. Somehow, these two companies are showing updated information and proper reporting with 2-5 Business days while Transunion is reporting 3 weeks later.

Please reach out to the organization to inquire about their reporting practices and how long does it take updated information. 

Thank you, XXXX