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

Im trying to order cable tv for my home ... they cant pull my credit because of a credit freeze placed on my account. I did not place this on my account. I have tried calling the numbers for Experian and online, however the online site comes up with an error and call 1-888-EXPERIAN ... I call that and its a loop ... Press 1 for freeze and fraud and then press 1 to place a freeze on your account - I dont want to place a freeze, I want to remove it .... 

I have tried getting to an operator and there is no way to contact operater .... 

I have spent several hours over the past few days trying to get this removed - JUST FOR XXXX TV!!! This is XXXX
Product: Checking or savings account

I have {$500000.00} in a high interest rate online savings account with BMO XXXX. I initiated a transfer of {$250000.00} from this account to another institution. On XX/XX/XXXX, BMO locked my account for fraud detection. I understand the reason for locking it. However, my account has been locked for nearly five weeks with zero communication from the BMO fraud department. I immediately called the online savings phone number on XX/XX/23 ( XXXX ) to notify them that the transfer was indeed initiated by me and not actual fraudulent activity. They gave me the fraud departments phone number ( XXXX ) to call to handle it with them. For the past 32 days as of the date of this statement, I, as well as my wife, have alternated calling this number countless times trying to get through to the fraud department. When we call the number, the BMO recording comes on and we sit on the call for about 7.5 minutes before a recording comes on saying the voicemail is full and to try our call again later and then disconnects. Both my wife and I separately have explained this to the customer service line and they tell each of us to just keep calling until we get through. One representative told my wife that he would give the fraud department my name and number and that they would be calling. I have yet to be contacted by the fraud department. Both my wife and I have made attempts to speak to a manager in the customer service department to escalate this issue. Each time were told there is no manager available and to just call again later to see if a manager is available at another time. I even went into a local branch trying to get help. No one either can or they won't help. So, what do we do? I can't even close the account because it's locked for fraud. And why has BMO not taken the initiative to contact me about suspected fraudulent activity like other banks do? BMO is fraudulently holding my money against my will. Or they've stolen it.
Product: Credit reporting or other personal consumer reports

Despite having a fraud alert on my account Transunion has reported fraudulent accounts, inquiries and addresses. 

XXXX. XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Charged off with a balance of {$350.00}. 
Issue : This account has not been verified by XXXX XXXX. Under 15 U.S.C. 1681i ( a ), I have the right to dispute this account, and XXXX is required to conduct a reasonable reinvestigation. To date, there has been no verification of this account by XXXX XXXX. 

XXXX. XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Charged off with a balance of {$2200.00}. 
Issue : This charge-off is inaccurate and has not been verified by XXXX XXXX. I dispute this account under 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation. Additionally, under 15 U.S.C. 1681s-2 ( a ), the creditor is responsible for furnishing accurate information. XXXX XXXX has not provided sufficient verification for this debt. 

XXXX. XXXX & XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Collection account for {$260.00} from XXXX 
Issue : This debt is being reported by XXXX XXXX XXXX, but I do not have any outstanding debt with XXXX. I request validation of this debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), but no proper validation has been provided. Until XXXX XXXX XXXX verifies this debt, it must be removed from my credit report under 15 U.S.C. 1681i ( a ). 

XXXX. XXXX XXXX XXXX XXXX ( Account Number Ending in XXXX Opened- XX/XX/XXXX ) Status : Charged off with a balance of {$1000.00}. 
Issue : This charge-off has not been verified by XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ), they are required to report accurate information. As they have not verified this debt, it must be removed under 15 U.S.C. 1681i ( a ). 

Inquiries to be removed : XXXX XXXX NA Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

Addresses : All addresses Transunion has listed other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear CFPB, As a Citizen requesting for help. This company to my understanding they are a Used Car Dealer Finance Company in Texas. 
Me & my family live in South Florida never lived in Texas??? But the following company calls my Cell # XXXX from XXXX Registered under : SANTANDER CONSUMER USA Inc. Mailing Add : XXXX. XXXX : XXXX, XXXX, TX XXXX. Calls Received on : XX/XX/XXXX on XXXX, XXXX. XXXX on XXXX. XXXX on XXXX XXXX XXXX. XXXX on XXXX, twice on XX/XX/XXXX,XXXX XXXX, XX/XX/XXXX,XXXX, XXXX, XXXX, XXXX & XXXX, XX/XX/XXXX. Messages left for : Call Center Operations located in XXXX in the XXXX XXXXXXXX XXXX. I just called XXXX the operator does not have any street address to disclose? But needs additional information about me? I did not disclose anything? I have requested to take of my cell phone number XXXX but they can not help as I do not have any account with them? Everyday Voice Messages : " Good Morning XXXX, Its XXXX XXXX and XXXX XXXX XXXX. This is XXXX from SANTANDER CONSUMER USA Inc. Please return my call toll free # XXXX to speak with one of our Representatives. We are in the Office today until XXXX CST. Thanks Have a Great Day ''. Same message repeats everyday call!!! There is no one by these names in our house. We are a Nuclear Family of four. Dad, Mom & Two Adult unmarried Daughters. We own XXXX used cars brought and paid off in XXXX XXXX, FL. 
All this seems to be a FRAUD & A PROFESSIONAL SCAMMERS. Past month I have called & left messages and sent similar messages to Do Not Call.gov but i am fed up as a XXXX Citizen with NO ONE TO HELP! Can not call to speak to anyone? Since XX/XX/XXXX repoted to Do Not Call Registery.Gov but all in vain. Please Help! Even registered complaints with https : XXXX # crnt - online case # XXXX XXXX XX/XX/XXXX. Today Personally called FTC, XXXX # XXXX to again Complaint my frustrations got a case # XXXX XX/XX/XXXX Rep. XXXX & Sup. XXXX. They requested me to complaint to CFPB. Please help me!!!
Product: Credit reporting

My credit report reflects a bad debt-charged off status on a credit card, in reality I made monthly payments and the card balance is paid in full. Also, a tax lien is showing as current, when in truth this was paid in full and satisfied. I have letters of satisfaction on both accounts.
Product: Vehicle loan or lease

I have had a XXXX Fico score prior to the payment issue on my account. Throughout the entirety of my loan with 5/3rd bank I paid ahead online using their website. I have been a good paying customer and continue to do so with this company. During the month of XXXX I was notified by XXXX XXXX through their XXXX product that I was going to have a late reported on my credit to my surprise. I looked up the item on the XXXX product and found that it was the 5/3rd auto loan I had on my truck. During this time I received no calls, no statements, no letters, no communication at all from 5/3rd bank causing this to go by with no notice. From working at a banking institution this lack of communication is against federal regulations and resulting in damaging customer financial well being. As soon as I found out I immediately paid 3 months of payments and paid my account ahead again. Due to the lack of communication from this bank this has now damaged my credit causing it to go down to XXXX!!!! I then called the bank and they were also shocked that no communication was turned on from my account. I have had this loan since XX/XX/2016. I am asking that this late be removed from my credit and get my FICO back to good standing.
Product: Credit reporting or other personal consumer reports

Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against Equifax regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX  OPENED XX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft XXXX. XXXX ACCOUNT XXXX OPENED XX/XX/XXXX identity theft I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.

Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CApital One Credit Card account is being reported as past due and needs to be updated immediately to report the accounts status. Credit account was corrected after fraudulent charges caused account to be past due with a balance when actually should have had zero balance for past 10 months. SHould have never reflected any past due amounts beginnng in XXXX. unauthorized activity is the caus of any past due reporting so reporting is incorrect.
Product: Payday loan

We originally requested a payday loan from XXXX XXXX ( see original document sent my mail ) in XX/XX/XXXX The company misrepresented the finance charges associated with the term of the loan. We were originally told the cost of this loan was going to be {$1200.00} in interest above the original loan amount. Originally the payments came out on our paydate as expected. The amount was large ( {$280.00} twice a month ), but we knew that payday loans are an expensive form or finance, so at first we just paid and did n't really check further. After three months of payments, thinking we must surely be close to payoff, I can no longer find Castle Payday online, it is now Big Picture Loans ( XXXX XXXX XXXX XXXX, XXXX ) I found this out because the payments on my check register no longer stated " XXXX XXXX '', but now " Big Picture Loans '' which did n't jive with the original agreement. Further upon trying to logon to the account, the company did not or would not publish the balance or payment schedule. Now two months later, they finally posted the payment plan and what a shock. This company is charging us 927.7664 % interest. By the time the loan is paid, it will have cost us XXXX!!!!!!!!!!! This was NOT what was represented and we do n't know what our legal rights are. We did NOT agree to this outrageous piracy. This is predatory lending. Please help! I have been told on the phone that Tribal Lending does not have to comply with Federal regulations. I 've already paid them {$3000.00} to date and the payment and payment due date keeps changing. It is no longer on our payday. This ca n't be legal. The " contract '' that says we agreed is not what we were told or given at the onset, the interest rate is DEFINITELY not what we agreed to and had we known that they consider themselves a Sovereign State, immune from federal regulation and claims ( you will be limited in what claims, if any, you may be able to assert ), we definitely would never have taken this out. We have used payday loans in the past and realize they are pricey forms of funds, but this is excessive and was not disclosed at the onset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a US citizen that has retired to the country of XXXX and I have a mailing address in the USofA. I do pretty much all banking & business online and have successfully for 8+ years here in XXXX XXXX My email address on a final page is the best way to contact me. 

I have been trying for weeks to coordinate and unfreezing my credit reports at XXXX, XXXX, & equifax so I could update my mailing address. 

A week ago some difficulty I was able to unfreeze my reports w/ XXXX & XXXX XXXX but equifax remained frozen. 

After several emails & phone calls I was told to send a fax with an image of my passport, CA Drivers license, DOB, SSN, & other  identification information. 

I had to do this twice and finally I was sent a letter that my credit report would be unfrozen, but for the wrong dates. I have attached a copy of that letter to help identify my specific account & problem. 

Equifax 's phone system is now refusing to allow me to speak with a representative and I can not log in online to correct this issue. 

I need to be able to log in to my equifax account reliably when I need. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX XXXX and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 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 1 5 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: Debt collection

In 2013 I forgot to pay school taxes in the amount of {$170.00}. There was a tax lien put out, so I resolved it the following year when I paid my taxes. Although the issue was taken care of, I have still received phone calls and letters saying I still owe and it has accumulated interest. The total I 'm being told I owe is {$1300.00}, I recently looked at my credit score from XXXX and it shows that the tax lien was released. The lien shows up on XXXX, but there is no other information provided. The attorneys office that keeps calling me and mailing letters, are telling me there is no proof that I paid. And that I must pay the balance.
Product: Credit card or prepaid card

On XX/XX/2020 I called to inquire about the promotional period on the credit card. I was informed that the promotional period was to expire on XX/XX/2020 ; I would have sworn it was for 18 months. Anyway with Covid my business has taken a hit so I entered into their Covid relief program. No payment for two months ; and I was told that the promotion that I was currently under would also be extended. I spoke to two different people that day and asked several times to make sure that it also extended the promotion of zero percent interest. I received my XXXX bill and it had interest on it so I called, explained the situation and he reversed the interest fee. Never did he tell me that it was a one time courtesy. I received my XXXX bill and again there was interest. I called today explaining the same thing and they were very rude and no way they would remove the interest because it didn't extent the promotional terms. I did a little research and this is what was on XXXX : What relief can I get? 
Citi puts it this way : We will waive late fees and the requirement to make the minimum payment due shown on your billing statement for two consecutive billing periods, starting with any minimum payment that is currently due but not yet paid. 
This issuer also notes that during the payment assistance period, the amount due on promotional plan balances will also be deferred for two billing periods and the promotional period will be extended. This could be useful if you're currently using Citi Flex Pay to pay off a larger purchase in fixed monthly amounts, for example. 
Cards may be ineligible for relief if they're already in an active hardship or forbearance program or if they're already more than 60 days past due, the issuer notes on its website. I spoke to four different people with zero help. When you call CITI it tells you that you are being recorded so I even asked that they please listen to their recording to find what I was told and it was dismissed. I would never recommend CITI Card to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a round of letters to each credit reporting agency XXXX XXXX, Transunion and XXXX XXXX requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.
Product: Student loan

I called EdFinancial on XX/XX/31 to inquire about getting loan payments made during the pandemic forbearance refunded. The website clearly states that I am able to do this. There are a couple of issues I am having with this process. 

First off, I am unable to see my payment history. Initially, the representative I spoke with said that because my loans were purchased by EdFinancial they did not have access to my payment history, even though the payments I made during the pandemic forbearance period were indeed to EdFinancial and not my previous loan servicer. After putting me on hold, the customer service representative I was speaking with said he had access to a tool that would find these payments, and after listing each payment to me one-by-one, I calculated the total to be {$1200.00}. I asked if my payment history would be updated on my website portal. He said it would not be updated. I asked if I had access to the tool he used to find the payments I had made. He again said no and told me I did not have access to this information. Apparently, I am to trust that this information is correct with no way of checking on my own. The lack of transparency is honestly troubling. 

Another issue I have with my interaction is the timeline for my refund to be processed. I was told it would take 150 or more days to process the refund to my account, well after the date during which applications for forgiveness will be available to submit. This wait time is unacceptable considering other servicers are giving timelines of XXXX weeks for processing of refunds to loan accounts. 

Furthermore, after submitting an application to get my refund processed, the representative did not indicate if I would get anything in writing, whether it be an email, text message, or note on my account. My impression is I have to just trust that the application was submitted and that things will be processed in a timely manner. Again, another example of a lack of transparency from EdFinancial. 

Lastly, I was told that the refund would " reopen my account '' after the forgiveness was processed, and that I would " accrue interest '' on the refund amount, since it would take them so long to process the refund. Again, this is unacceptable. I did not make a lot of payments during the pandemic, but I know people who did and are in this situation will now have to worry if they will be on the hook for large loan amounts after the forgiveness is processed for them, with no way of getting the loans forgiven after their initial forgiveness is processed.
Product: Credit card or prepaid card

See Capital one case ID XXXX On XX/XX/2021 my card was rebilled for {$5300.00} for a trip Capital One advised me to cancel due to my wife and I having XXXX. I did what they told me to do and Capital One still stole my money. 

I need government help.
Product: Checking or savings account

Friday XX/XX/year> - XXXX had got a Wells Fargo Premier Client offer ( {$250000.00} in new assets for {$2500.00} bonus ). I went to Wells Fargo Branch, ( XXXX XXXX XXXX XXXX met with a banker XXXX to open the account. 

My Wells Premier Promo is XXXX ( {$2500.00} for $ XXXX in new assets ) The banker told me that I can enroll myself in the {$520.00} savings promo as well at the same time, and that the savings balance would count towards the overall balance. So my goal is $ XXXX in savings and $ XXXX in investments. The savings promo is to maintain a balance of $ XXXX and get a {$520.00} bonus. The Banker ensured me I am totally eligible for both bonuses I requested a promo code for savings ( XXXX ) The banker subsequently opened the savings account ending in XXXX. He ensured me I would get both the premier checking promo {$2500.00} and savings promo bonus {$520.00} XX/XX/year> - I see {$2500.00} premier checking bonus, however I did not see the promo {$520.00} for savings XX/XX/year> - I called Wells Fargo XXXX and after sometime. They agreed to document the case. 

XX/XX/year> - I got an email from exec assistance from Wells Fargo they are looking into it. 

XX/XX/year> - I got an email they looked into it but the bonus is paid, However, they are referencing my checking ending in XXXX ( I never asked about checking, I was questioning my savings ending in XXXX ) Honestly I don't understand how the Agent is mistaking accounts, I feel this is a much bigger issue lol ... at least the agent is looking at my bank accounts, what is he/she is looking at other people account and respond to the email