23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 - i sent a fax - enclosing copies of my social security card/driver 's lincence - to Equifax on the same date i also sent them a letter attaching these document copies - have usps tracking which shows Equifax received this on XX/XX/XXXX on same date i sent these document pdf 's to equifax customerservice - purpose - to lift temporarily my credit freeze [ bank loan can not be processed because of the freeze - need funds desperately ] i had zero problem getting my credit freeze lifted with XXXX  and XXXX i went to register on equifax site so i can get this done - they sent me a 10 digit verification code - used the code - went thru all the steps - got a screen saying to call a given number - called the number - they wanted mobile phone number [ not having one, i gave them regular number ] - provided social security number - digits of street address - and finally zip - they did not help me create a login - its been a nightmare trying to get response to my credit freeze removal - and getting help to log in so i can do this PLEASE HELP- AM SURE YOU CAN FIND SIMILAR COMPLAINTS AGAINST THEM - EQUIFAX XXXX ON THE WEB
Product: Checking or savings account

I had an account with bank of the west before it was purchased by BMO. I called bank of the west to cancel and close my account after I removed XXXX  my money. They assured me it was going to be closed. Then BMO purchased the bank and i'm not getting a collection letter stating I owed money. I never had XXXX  account with BMO and my bank of the west account should have been closed when I requested. XXXX XXXX XXXX XXXX apparently allowed XXXX transaction to go through when I already requested the account to be closed and overdrawn it, then forwarded it to BMO without my knowledge. I do not own XXXX  balance as this account should have been closed from XXXX XXXX XXXX XXXX XXXX  before they merged with BMO
Product: Debt collection

1st call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX contacting you from the process division. I received an order for you. It looks like two pending charges are subject to be filed. Now unfortunately because I am unable to reach you by phone I will be actively pursuing you at either your residential or place of employment. You have the right to contact the client to resolve your case voluntarily. Understand when located you forfeit that right. Your case number is XXXX and you can reach the office at XXXX. You have been notified. 

2nd call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX contacting you from the process division. I received an order for you. It looks like two pending charges are subject to be filed. Now unfortunately because I am unable to reach you by phone I will be actively pursuing you at either your residential or place of employment. You have the right to contact the client to resolve your case voluntarily. Understand when located you forfeit that right. Your case number is XXXX and you can reach the office at XXXX. You have been notified. 

3rd call : Voicemail left with a random person - I was notified by email about it. 
Email to me sent at XXXX I received an automated phone message for you just now from some court saying this is their last message for case # XXXX. Here is their number XXXX. 

4th call XX/XX/XXXX @ XXXX XXXX : Message left on cell phone X, this is XXXX XXXX calling from the process division. I need to verify a current address as well as a business address. You are forfeiting your right to take care of this matter outside of court. We will contact your human resources department to follow proper protocol and procedure to serve you on the property. Again the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number XXXX. This is my final attempt. You've been officially notified.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 

Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit.

I demand these accounts be Deleted from my credit report Immediately. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
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.

The letters are stated with items and issues. 

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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

CitiBank provides an online means to pay your bill. The site has general selections to pay your bill that are as follows : Minimun due - This is the minimum amount you must pay to avoid going late.. 

Last Statement Balance - This is the amount you owe from your most recent statement dated ( Month day, year ).

Current Balance - This is the total amount you currently owe.

Custom Amount My issue is with the statement that the current balance implies that it is a total of what you owe to pay off your debt. In speaking to two different representatives, one via instant message offered on their website and one over the phone on a recorded line, This is not a current amount and I was charged interest on the previous two months statements. I was also informed that the interest is accrued daily but is charged to the account at the end of the statement period. I asked then what is the difference in having the options to pay the " Last Statement Balance and the Current Balance? '' I was told that the interest was not previously in the " current balance. '' When I asked the representative on the phone what current means to them they agree that it meant up to the day. I asked why they couldn't then have had the previous two statements interest already calculated in the current balance since they accrued it daily. I was apologized to for the confusion but was never answered about why there was an option for paying the Last Statement Balance and a Current Balance when there was nothing current about the " current balance. '' This is not only misleading but an outright lie. If you can accrue the interest daily then it should not be that difficult to provide the current balance you are showing as a payment option to make it a factual current balance. For the record if the interest was included in the " Current Balance '' when I chose that payment option I would have included it in my payment. To add insult to this I was informed that the interest was from an amount that was roughly half of my last two statements and so even saying that is where the interest is accrued from is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : Bankruptcy : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX
Product: Credit card

On XX/XX/year> I made a full payment for the past due amount on my credit card with XXXX XXXX ( XXXX XXXX XXXX  ). The payment did not reflect on my account until XX/XX/year>. I am out of the country and wanted to use funds for travel expenses. Upon attempting to use my card the payment was declined. I called my milestone customer service to inquire as to the issue. They then told me my account was closed on XX/XX/year> because they had sent identity verification forms via mail that I didnt return. This is concerning because I have all my preferences set to paperless. 

Ive read online numerous complaints about other individuals having the same issue. They close the account because they say they sent identification verification forms. No one online said they received the funds as well. 

So now they are refusing to refund me my payment I made. I called my bank XXXX yesterday XX/XX/year> and they made me go through a prolonged process of filing a claim. I am still out of country and need the funds for use. XXXX XXXX ( XXXX XXXX ) is refusing to refund the money and my bank XXXX has yet to refund me as well.
Product: Credit card

They charged my credit card on these day and charge me finance charges late fee every months since XXXX. I called them almost every month to have them take these off and all the charges but they asked me to sent in ID card and i did but they still never removed these and report me late fee since XXXX which cause my credit now bad credit history. I all ready told them I never pay late with them and always pay all the balance and on time because they put these charges I never authorized. Please have them remove and remove all my late history with all the credit report so I don't get bad credit history any more. 

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

Omega rms keep informing me that I will collect interest on the debt owed, I can settle on the account but they are charging me an XXXX dollar fee for each payment and tells me I can mail in the payment and wont stop any of the interest on my account
Product: Credit card or prepaid card

Me and my fiance and his unemployment checks put on my prepaid card in late XXXX early XX/XX/2020 they locked the account on us so. In middle XXXX we sent in all necessary documents and they unlocked account.. so naturally we thought everything was ok he had one check from his work deposited on it they then locked account again in early XXXX. We could not even get our XXXX XXXX diapers. And I have been arguing with them for months for my money or a new card. Well this XXXX we had are stimulus checks put on there cause we had absolutely no choice and now they will not release the funds back to the irs knowing that that account is locked and they are still charging me monthly fees this month alone they have taken XXXX $ and refuse to help me. We have sent in our social security numbers IDs address and more several times at this point I feel like they are trying to get my information and other stuff.
Product: Credit card or prepaid card

Hello, I have an amazon   prime   store card managed by Sync Bank.  Amazon  offers the option of 5 % off your purchase or 0 % financing for 6 months. I would never willfully opt to select 0 % financing for 6 months. I set my default selection as 5 % off my purchase as a statement credit, yet I went to check out today, and 0 % financing for six months had been selected. This happens to me regularly, when I go to check out, 0 % financing will be selected despite my default being set to 5 % off. I contacted customer service about this, and they said that if it is my default setting to have 5 %, then it will stay at that setting until I change it, unfortunately this is not the case.     What makes this more alarming is that amazon constantly advertises 5 % off with using their prime card, yet they routinely change the default setting to 0 % financing at checkout without even asking the card holder. There have been a number of times I 've placed large orders and forgotten to make sure they had n't switched the selection on me, only to find that I lost the 5 % savings because of something amazon did, that was not my selection in anyway. This is an unfair and dishonest practice, that is literally taking money from people who pay their card everymonth. I have other cards I could use with cash back, but purposefully use my amazon card due to the 5 %, only to be duped by Amazon on a regular basis.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against Cash app ( block, inc. ) due to an accurate consumer service and unfair practice. Which violates the consumer financial protection act. CFPA. Pacifically Cash App. Failed to take timely and effective measures to prevent an address fraud on there platform leaving my account vulnerable and unprotected. Furthermore the dispute resolution was unfair and deceptive. As they did not comply with errors Resolution-require requirements. Under the electric fund transfer act. EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I'm a co-signer on a loan that was reprocessed and which i didn't know about. On my credit report Transunion and XXXX which I review on XX/XX/2024 shows the address is wrong, the amount for the car is wrong. The car has been sold and wasn't told about it. Under the Fair Credit Report any incorrect current balance and incorrect credit limit should be corrected or removed from Credited report.
Product: Debt collection

According to  Sun Loan  in  XXXX  Oklahoma  I took a  loan out in  XXXX    XXXX  . During this time I lived in  XXXX  Oklahoma. I did not have a vehicle at that time also. When I asked the company to let me see the paperwork the  manager  at that location told me that they could not find the paperwork. I have also disputed this on my credit report and it still has not been removed.
Product: Checking or savings account

On XX/XX/2018, I performed a mobile deposit of my paycheck which has occurred regularly from the same company and the same checks for the past 18 months. However, the morning of XX/XX/2018 I noticed that the mobile deposit was placed on hold. Being a former XXXX and having knowledge of Reg CC, I decided to call the bank and inquire as to why my deposit was being placed on hold. 

After providing my account information and validating my identity, I asked the service representative for the reason that a hold was placed on the deposit. After a brief hold, I was told that a hold was placed because they have yet to validate the availability of funds. I informed the representative that being a former XXXX XXXX  myself I understood the ability to place a hold on a check, however, I was seeking the extenuating circumstance that lead to a reasonable doubt of collectibility of this check and cited that checks for amounts both larger and smaller than the same had been deposited into the account from the same external account which also bared the exact same signatures. So I then requested that they review the information again and provide me with a reason under Reg CC for which they determined that a hold was permissible or reasonable. 

I continued to receive the response that they were unable to immediately validate funds on a check despite additional questions such as if there was an issue with the appearance of the check or other item to which they deemed this transaction as being different from any previous transactions. 

Having reiterated the issue that they can not just go around placing holds on checks without cause and any determination to place funds on hold and asking specifically for a reason in accordance with Reg CC they refused to give a reason for placing the deposit hold. 

I then asked for and received a manager and posed the same questions and was told that they could even place a 10 day hold on a {$400.00} check if they felt like it because they can not immediately validate funds on a paper item. 

After additional futile attempts to receive the reason for the deposit hold I was ushered off of the phone. 

Based on my understanding of Reg CC, not only can the banking customer request the reason for a hold, the determining factors for placing a hold on an item must be disclosed. As I obviously never received one, here is my complaint. 

Personal Information Below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Deposit Amount : {$4500.00} Funds Available : {$200.00} Funds Held : {$4300.00} Bank of America Phone Representative : XXXX ( South Carolina Call Center ) Bank of America Manager : XXXX ( South Carolina Call Center )
Product: Credit reporting or other personal consumer reports

On XX/XX/year> My collections account with XXXX XXXX XXXX was agreed upon to pay a total of XXXX dollar to settle and close this account in compliance with this agreement the balance owed was paid in full and i received a copy to show that the case was paid in full in sent this copy to all three credit Bureaus XXXX, XXXX and experian. Experian was the only Bureau to correct this collections account and I disputed this numerous amount I times and still nothing is being done. My credit score as well as my credit to debt ratio is to the point where I'm constantly not getting approved for credit as a result of the negative actions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification from CRAs that XXXX reported my loans as being on payment moratorium due to petition for XXXX  XXXX bankruptcy. They also placed an old account including derogatory payments from XXXX. This derogatory account was originally placed on my report by my previous loan servicer and was removed from my report about a week ago due to the account being too old to be on my credit report because the missed payments occurred more than 7 years ago. This is the second instance in which XXXX has ruined my credit by reporting inaccurate information. The first time being XX/XX/XXXX at which point I had to make several phone calls to get a resolution that took more than XXXX  days. My loans are in repayment and have been since XXXX. XXXX is also continuing to deduct payments via autopay while reporting delinquencies. They also initially refused my request for help instead opting to tell me to open a dispute with the credit bureaus. My credit is ruined and I am fed up with XXXX incompetence. have kept my end of the bargain by making all payments on time. I expect XXXX not to cause me financial harm intentionally or unintentionally. I have kept my end of the bargain by making all payments on time. I expect XXXX not to cause me financial harm intentionally or unintentionally.
Product: Debt collection

This company XXXX XXXX XXXX has violated the Fair Credit Act I never received anything in the mail regarding any of these balances. I have no knowledge of these balances and I am disputing every last charge from XXXX XXXX XXXX. XXXX XXXX XXXX reported three ( 3 ) accounts and I want them removed immediately, I was not notified directly to dispute these accounts. 

XXXX XXXX XXXX -acct # XXXX for {$220.00} XXXX XXXXXXXX XXXX-acct XXXX XXXX for {$160.00} XXXX XXXX XXXXacct # XXXX for {$160.00} Maybe I should contact an attorney and sue this company XXXX XXXX XXXX  for damaging my credit report with these accounts and balances. I will if accounts are not removed immediately from all three ( 3 ) credit bureaus.