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

I opened Citibank Checking and Savings account because of a {$400.00} new-customer signup bonus. 

Citibank Account Package {$400.00} Checking and Savings Offer Promo ID : XXXX On XX/XX/XXXX I got an email stating that unfortunately I did not meet the requirements for the bonus, but it did not say why. Over the next two weeks I tried contacting Citi Support and they kept opening new cases that would be resolved by simply saying " requirements were not met '' but never gave me the official reason why. Finally I got to talking to a supervisor, who informed me that the funds were not deposited within 30 days. If that was the case, they should have told me right after the 30 days, not waiting for 60 more days holding my money for nothing. 

Apparently I opened the account on XX/XX/2018, but because the online system to log into my new account was so hard to use, I could not actually access my account to transfer funds online until XX/XX/XXXX, over a month later. I tried multiple times with customer support and it was very unhelpful. Eventually I found the right button buried in the website to link my ID with my old ID ( I had a Citi Online ID from my credit card ). Eventually I got into the account and immediately transferred the {$15000.00} needed to meet the requirements for the bonus {$400.00}. This took 3 days so the funds entered the account on XX/XX/2018. 

The terms of the offer state that the funds must be into the account by 30 days after the account opening, but I was not able to access my account until XX/XX/XXXX, and as soon as I did I deposited the funds. 

This citi checking bonus offer is not worth the time and the customer service seems purposefully confusing and on multiple occasions made me wait several days before problems were resolved or returned to me unresolved. The terms of the offer are very confusing and it was easy to miss the exact details, some of which are still unclear to me.
Product: Credit reporting or other personal consumer reports

I'm a XXXX XXXX XXXX man who has never been able to properly use my credit since the age of XXXX. The credit bureaus left judgements, bankruptcies, evictions etc. on my name for many years from my father having the same name. I tried to handle this for many years XXXX, XXXX nor Equifax would ever assist. They even stated they would give me a new social but it never happened. Fast forward I have those things off left with a devastating score and my life has never been able to be on course with the use of credit. I feel I need to be compensated for all of these years of not being able to live a proper lifestyle due to my credit being tarnished before I was even out of XXXX XXXX
Product: Checking or savings account

After changing my direct deposit I tried to do a mobile deposit, I was unable to I called the customer service and was advice that it was because of the type of account that I had and that I could change the account to activate the mobile deposit so I did. The closest branch from me is 10 miles Away I would not be able to get to the branch to deposit my payroll checks causing the account to go overdraft. 
Finally I was able to deposit the check and now they are putting a 14 day hold on the check. 
I deposited the check on Friday XXXX called on Saturday XXXX and was told that they would clear the check on Monday because I deposit the check after XXXX, Monday morning the check was still not cleared so I called and was told that the check would clear on Tuesday because Saturday and Sunday was not a business day. I waited on Tuesday the check was still not cleared so I called again and was told that it had a hold and would not clear until the XXXX I explained that I had no money available to me and that this was XXXX payroll and would not get paid again until the XXXX the banker told me to call on Wednesday and she would release the hold. Today I called spoke to the branch manager XXXX who now told me that he could not take to hold off I have no money XXXX is coming and I dont even have money to buy food to eat for the next 2 weeks until I get paid again let alone get gift for the kids I dont know how this can be legal
Product: Credit reporting

I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and experian deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent certified mail to Equifax regarding another social security on my account some addresses and names an address on XXXX XXXX I never stayed at something called portfolio child support not suppose to be listed on there and some other things I dont fully remember I did dispute something on the app XXXX months prior I either got back verified or didnt hear back and those things I do not know what they are truly and I know it was not invested correctly. With this being an investigation on them I know that they are not following the law and being fair this has really stopped me from achieving what I needed to achieve.
Product: Checking or savings account

On XXXX XXXX a Payment of XXXX was sent to the IRS from my BANK ACCOUNT. Since then I have been disputing with the IRS and even sent a document from the bank proving that the payment has been made. The bank removed the dispute the transaction option from this payment and has not allowed me to dispute the transaction stating " THERE IS NOT A CATEGORY TO PUT THIS DISPUTE IN '' Whch is absolutely ridiculous. I want my money back NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  keeps insisting that this account belongs to me but the address isnt showing any addresses Ive ever lived at & the date opened on this account is incorrect in addition to the active date being inconsistent as well as date of last payment being inaccurate. Even if this was my account it still has many discrepancies
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL COMMISION 'S IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian, XXXX, and XXXX XXXX XXXX Bank for Inaccurate and Misleading Credit Reporting Issue : I am filing a complaint regarding significant violations by Experian, XXXX, and XXXX XXXX XXXX XXXX  in their handling of the reporting of my XXXX XXXX credit card account ( Account # XXXX ). Their actions violate provisions of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. 

Details of the Complaint 1. Improper and Repeated Reporting of a Charge-Off Status The XXXX XXXX XXXX XXXX  account was charged off in XX/XX/2022, but the charge-off is being repeatedly reported monthly, suggesting ongoing delinquency. 
Reporting a charge-off as a recurring derogatory status violates 15 U.S.C. 1681e ( b ) ( accuracy requirement ), as a charge-off is a one-time event. 
Experian and XXXX both inaccurately update the charge-off as though it is new activity, which is misleading and unfairly damages my credit score. 

2. Incorrect Balance Reporting Post XXXX The account continues to show an outstanding balance of {$1300.00} despite being charged off. If XXXX XXXX has sold or transferred the debt to a third party, the balance should be updated to {$0.00} in compliance with FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). 
Experian and XXXX are complicit in allowing this inaccurate reporting by failing to verify the accuracy of the balance. 

3. Late Payments Reported Post XXXX XXXX payments are being reported after the charge-off date, which is misleading since the account is no longer active. This violates FCRAs mandate for accurate reporting and creates an unfair negative impact on my credit score. 

4. Misleading and Conflicting Account Statuses Experian : Reports the account as Charged Off but continues to list monthly delinquencies and an outstanding balance. 
XXXX : Lists the account status as Unknown while also reporting the balance of {$1300.00}. 
These discrepancies between bureaus indicate a lack of proper investigation and validation, as required by 15 U.S.C. 1681i. 

5. Extended Negative Reporting Timeline By repeatedly updating the charge-off status and reporting late payments, the creditors and credit bureaus are effectively resetting the clock on the delinquency. This practice violates 15 U.S.C. 1681c ( a ) ( 4 ), which limits reporting of negative information to seven years from the date of first delinquency.

Impact on Me The repeated and misleading reporting of this account has : 1. Significantly lowered my credit score, impacting my ability to obtain financial opportunities.

2. Created confusion and undue stress due to the discrepancies in reporting.

3. Violated my rights under federal law, causing harm to my financial standing.

Conclusion : I respectfully request that the CFPB investigate these violations and hold Experian, XXXX, and XXXX XXXX XXXX XXXX  accountable for their non-compliance with the FCRA. I also request the immediate correction of the inaccuracies in my credit report to prevent further harm.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed some unauthorized hard inquiries made to my credit report. I did not give permission to anyone to run my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. The company has not resolved this matter and therefore are not in compliance with the FCRA laws.
Product: Checking or savings account

On XX/XX/XXXX I got a call from Bank of Americas Fraud number. They claimed I had unusual activity and asked if I authorized a payment in Florida and XXXX to a person. I said hi and so they said my account had been compromised they need to lock it. They sent me a confirmation code from boa like they always do to verify it was me. I read them the code and then I was locked from account while on phone and they said it was locked due to fraud and that my money {$2400.00} transferred from XXXX would be returned in a few hours and to call back if it hasnt. I called back and no one at Bank of America says they talked to me it must have been a scam. I immediately filed a claim and waited 10 days and Bank of America denied me my money back saying they dont believe it was fraud. I have now filed a police report and this trying to get my case reopened for my money. Bank of America on average takes 3 hours to reach a human and I dont trust anyone I talk to as it could be another fraud since their number is who called me an already had access to my account. This may be an inside job from an employee as no one will help me there. I thought regulation E helped cover fraud transfers electronically. XX/XX/XXXX my account was hacked and a XXXX  transfer for {$2400.00} took place that Bank of America will not help me and are saying its not fraud
Product: Mortgage

On XX/XX/XXXX, I sent a check totaling {$150.00} to pay for the cost of a Brokers Price Opinion as instructed in the letter received from my mortgage loan services ( NewRez LLC ). The check included the required notation instructed in the letter Funds are for the BPO fee required to proceed with a loan review for PMI cancellation. My check was received and erroneously posted to my account on XX/XX/XXXX as a partial principal payment instead of its intended payment for the cost of a Brokers Price Opinion. The Brokers Price Opinion was  never ordered despite my explicit instructions and timely payment. I have been charged another month in PMI, and will likely be charged again next month as I have been told by the NewRez LLC  customer service agent - XXXX XXXX - that the process to reclassify a payment can take 3-5 days. She has refused to transfer my call to a supervisor or to anyone who is able to expedite the reclassification, not willing to provide any contact information so I can follow up to ensure this is taken care of correctly. I asked repeatedly for a contact with whom to raise a complaint and this request was also refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with Equifax since XX/XX/XXXX with obtaining a copy of my credit report and updated score. Any Lender, Creditor, and Myself are not able to pull a copy of my credit report with score. For Example, XXXX XXXX XXXX says my report is blocked. XXXX says " No information found on credit file " When i login to my Equifax account it displays no accounts, no names, no updated credit score. I have called Equifax numerous times after times with no results, but resulting into runaround. A case was opened to supposedly fix the issue. Still not fixed. That case # was XXXX. Some lenders says I have no credit. I have attached a copy of my summary from Equifax from XX/XX/XXXX that displays which is now outdated inaccurate information now as its now XX/XX/XXXX as there have been new accounts, new limits, and or different creditors. XX/XX/XXXX says Blocked for Promotional Purposes. On XX/XX/XXXX Credit file status says No Indicator on file. Also, that summary shows absolutely no accounts, no credit at all. I expect this to be corrected and updated immediately. I have put up with this for 6 months now with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts through phone and certified mail to resolve with the bureau. I have sent in multiple times proof of identity and residence. I have submitted this information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There are multiple detrimental fraudulent inaccuracies STILL reporting on my credit file. I have informed the bureau of myself being a victim of identity theft. I have requested original proof of verification as there is none to give me. The bureau has neither brought forth proof as inquires and the listed fraudulent accounts as belonging to me or being authorized by me yet they have failed to remove them from reporting on my personal file. Inquires include : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, 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 does not belong to me, XXXX does not belong to me XXXX XXXX does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Made contact with LexisNexus on XX/XX/2022 to address a reporting of a Bankruptcy to my credit report. I asked that they provide me information on how they validated the bankruptcy. Account number they have on file is Incident : XXXX. I did not receive any information on how they validated this bankruptcy as mine. I contacted the Bankruptcy court listed on my credit report and they responded that they do not provide any verification of bankruptcies to any credit reporting agencies. I have attached a copy of the letter received from the courts. 
In accordance with the Fair Credit Reporting act LexisNexus 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: Credit reporting or other personal consumer reports

They have failed to report the on time pay history for the months of XXXX XXXX XXXX XXXX XXXX, even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXX 's payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX XXXX ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Student loan

I called the company 10 days prior to my payment due date in order to defer my loan. I did not get an answer after being on hold for an hour. I then proceeded to fill out the deferment process online and submitted all required documents, I never received a confirmation or receipt. The day before the due date I resubmitted said documents and called the company, no answer, I then made the payment on the due date and received a confirmation, however the account has been updated to unpaid and late, I called the company again and never got a live human on the phone after being placed on hold for over an hour. This company is predatory and refuses to answer any calls or inquiries!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to ignore my letters and not comply with the FCRA section 605b despite all the letters and complaint I have been submitting to them. I am frustrated by these action taken by the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Driver 's license and Proof of billing address as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that a consumer identifies as an item that resulted due to identity theft. I am now submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Reporting agencies by continuing the reporting of the accounts and information without proper verification. Pursuant of the FCRA XXXX XXXX, I need the following items removes as from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX F XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already contacted XXXX & XXXX and Spoke with XXXX to make sure I was up to date, Froze my Credit with the first two ... .I can not get ahold of " THE PROBLEM '' EQUIFAX !!!! Their phone # 's provided on line hang -up on you or do the " doo-doo-doo, They are like no longer active! I took a Trip off work to protect my self and at thispoint ... .I am totally XXXX XXXX!!!
Product: Debt collection

On XX/XX/year> I visited XXXX XXXX XXXX XXXX XXXX XXXX regarding a fractured/broken wrist. As it is clearly stated on my insurance, a visit to urgent care is a standard flat fee. Under my plan at the time, an in network urgent care visit was {$25.00} with no applicable deductible. However, I received a bill for {$650.00}. As XXXX XXXX is in my network, there is absolutely no justification for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you indicating that XXXX XXXX XXXX # XXXX is late both in XX/XX/2022 & XX/XX/2022. How is this even possible? Why did you leave the highest balance field blank? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE. In addition you have failed to respond to my previous disputes sent on XXXX, XXXX, and XXXX within the 30 day period required by law. I have never received any mail from you concerning these disputes.
Product: Credit reporting

I filed a dispute on XXXX XXXX, 2016. I have not had a response to the dispute. I called customer service and requested to speak with manager after not getting the information I was requesting from representative and representative would not transfer me after multiple request.
Product: Mortgage

Applying to refinance through Angel Oak Home Loans out of XXXX. I gave all of my info required for the loan. 

I have great credit, income, job history etc. In addition, the refi is for way less than the home is worth. The loan was so basic that a survey and appraisal was not even needed. Even though it has been over two months, all was progressing all be it slowly. I was given two fake closing dates and no details of where etc. One was even on a federal holiday.

All was at least proceeding until I pointed out inappropriate charge in the closing document. I was being charged {$450.00} for the survey  that I actually supplied to them. That was on XX/XX/29. After that, they stopped communicating. I have called/emailed and even tried reaching out to a manager and no one will respond. At this point, they have all my private information, committed to a locked interest rate and have  run my credit etc. I am not sure if there is not some fraud going on here and/or identity theft. 

I provided anything that was asked of me nearly immediately with the exception of the survey and that was 24 hours.