23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Truist Mortgage is holding my escrow money hostage! I closed on the sale of my condo XX/XX/22. They said they sent the first check on XX/XX/22 to my old address ( the one I sold ). I should have gotten it before I moved. Then, I called on XX/XX/22 and they reissued a new one to my new address on the XX/XX/22 and I havent received it. Neither check has ever arrived. I have, however, received information on the close of my loan that was forwarded from the old address, so forwarding is working. I called again today XX/XX/22. They tell me that they cant ACH. They cant XXXX. Every time a check is issued, I have to wait 30 days after the issue date to void and reissue. Then, I have to wait up to 9 business days for the reissue and then it gets mailed via USPS again. It is an endless loop of the same process. It has been XXXX days since I closed my loan. This is dangerously fraudulent. It appears as if they are using people 's escrow money to manage their cash flow.
Product: Credit card or prepaid card

I have never had a delay in available credit when I make a payment to my credit card. I made two payments to my credit card at XXXX. I paid {$350.00} and {$75.00}, and need to use the card right away. There is all of the sudden a delay in the available credit. Then, when I placed a call to customer service the person who picked up the phone at the XXXX number put their supervisor on the phone and the supervisor said " there is no way I can possibly help you at this time '' and did not even know when the payments would be available for use. I was also told that my line of credit is over the limit by more than {$75.00}, which it is not.
Product: Credit reporting or other personal consumer reports

I'm reaching out because XXXX, Equifax and XXXX is helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on report isn't accurate! 
By IRS rules, any canceled debt or charge off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC1681 s-2, XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info.

**15USC 1681s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ; the information is, in fact, inaccurate. ''
Product: Credit card

I opened a credit card account with American Express. I got the blue Delta Skymiles one. With these points you could not only buy flights and hotels, you had access to the Delta Skymiles Marketplace. This is the reason i got this specific card. I wanted to redeem there. Since XXXX ive been trying to access this website but since then theres a note on the website stating that its under maintenance. On XXXX ( after a month ) i finally decide to call, thinking they had enough time if it was a bug. They share little to no information. Just said that maybe in a month or XXXX it should be back up again. I called back again in XXXX over 3 times and when somebody finally answered there was no new information. On XXXX i called again and there was a recorded message on the call saying that by late summer, it should be back up. I decided to be patient but as soon as XXXX was over i called again. By XXXX nobody had information still. I called again in XXXX and Nothing. Its XXXX now. I did some research and found out that the site has been down since XXXX last year. So it has been almos a full year since this website has been down. At this point, i dont care if i get the points worth in cash or what. But i dont want to loose the points and i have no interest in spending it in an overpriced delta flight.
Product: Credit card or prepaid card

My card was locked and flagged for fraud due to calling in and trying to figure out how to set up a pin after I was not able to withdraw cash from an ATM with what I thought was my pin set up during activation. 

I was then on the phone for over an hour on XXXX XX/XX/2022 to unlock my card ( which was a mess in itself : citi on my home phone, dad on the cell through XXXX ), I was told the card was unlocked and was good to use again. On XXXX XX/XX/2022 I tried making a purchase and was denied again and was told to call Citibank. 

I am a U.S. Service Member XXXX XXXX XXXX XXXX XXXX  The first time I was able to unlock my card, I had to have citi send a verification pin to my father ( whos number has never even been associated with my account ) who is in XXXX XXXXXXXX who then relayed it to me. I cant do that every time and I dont have access to XXXX XXXXXXXX XXXX ( for example the most recent denial was at around XXXX XXXX XXXX XXXX XXXX XXXXXXXX, calling someone in XXXX  XXXX XXXX relay a verification PIN at XXXX in the morning is ludicrous ). Smaller banks than citi have figured out how to text verification codes to my XXXX number, I am baffled that citi doesnt also have such a service. I get it that citi has ~ $ XXXX net worth, but to complete refuse to service a select group, such as XXXX citizens XXXX  with no/extremely complicated or limited access ( through a family member or friend ) to a XXXX number , is crazy to me. 

Likewise, the solution of mailing the verification pin is not reasonable because the military mail system ( run through USPS ) takes exponentially longer than mailing in XXXX  XXXX. 

I am stationed in XXXX due to my service in the XXXX. I will be using my card around XXXX ( for at least the next XXXX years - unless I cancel because of this rigmarole ) and cant continue getting denied every time. 

This most recent denial ( XXXX XXXX ) resulted in an email being sent to me asking if it was my activity or not - to which I answered yes and then tried reprocessing. It was still denied after the citi website said I was cleared to re-process the payment Citibank either needs to figure out how to not lock my card unless I ask for it, or how to verify with numbers outside of XXXX XXXXXXXX this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my account was incorrectly reported by Capital One as being closed at my request on XX/XX/XXXX. My most current statement indicates that that the account is restricted. I disputed this report of the account closure with Capital One and the 3 credit reporting agencies. XXXX informed me that they verified this information with Capital One. Capital One suggested I contact the credit bureau. 

In addition I can't obtain a copy of what I agreed to from Capital One. The link with the agreement I entered into with Capital One in XXXX is no longer active. In one response I was told that I entered into the agreement with a third party vendor. I was later told that I entered into the agreement with Capital One and that it was a verbal agreement. If this was in fact a verbal agreement, I was overcharged on the interest rate and am entitled to a refund for overpayment. I need a straight answer from Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Tried 4 times today to get past their automated computerXX/XX/XXXXXXXX, 2022 I placed a freeze alert XXXX and a fraud alert XXXX. Called today to remove both and system put another freeze back on my account. I received XXXX confirmations of the removal of both, NOT SURE IF THIS WAS COMPLETED AND IF NOT, THE ALERTS NEED TO COME OFF IMMEDIATELY. Confirmation they are off, XXXX and XXXX... 
2. Another complaint is my credit score is XXXX points lower with the same credit information EVERYWHERE and I want to know why? I want this fixed, XXXX points lower is bad!
Product: Bank account or service

On Monday XX/XX/XXXX I noticed a charge when viewing my checking account online that I did not make it was for XXXX in the amount of {$96.00} and it was showing as processing. I called bank of america immediately to report it as a fraudulant charge. I spoke with a gentleman who stated the charge would no longer be on my account in 48-72 hours and he issued me a new debit card which he said I would receive in 5-7 business days. I checked my bank today XX/XX/XXXX and the charge had processed, I called bank of america again to report this issue and the first woman I spoke with had me on hold approximately 15 minutes while she looked into this and then told me she would need to transfer me to a different department. She transferred my call and I was then speaking with a woman named XXXX I gave all of my information to her all over again and she said it appeared that my claim had not been processed, and she needed to put me on hold to check if she could find the existing claim or needed to submit a new one, but instead my call was somehow transferred so I once again gave all of my information and explained the situation and explained that XXXX believed my claim had not been submitted as it should have, this woman stated that I just needed to wait to hear back from their fraud department, even though multiple times I tried to explain what XXXX had said about my claim not possibly being submitted. I asked to speak to a supervisor she told me that no one was available and that she could take my number and have someone call me back in 30-40 minutes it has been an hour and 20 minutes and I still have not received a call back from bank of america or a call from their fraud department. I ended up calling XXXX myself and explained the situation. They confirmed it was indeed a fraudulant charge and the item purchased for {$96.00} had been mailed to a Florida address, and I do not live in Florida or even know anyone there. She said she would be submitting the information to her fraud department and forwarding me the information I would need to file a police report. I want bank of america to refund the {$96.00} to my account as they initially stated they would.
Product: Credit card

On or around XX/XX/XXXX, before my travel, I contacted American Express ( AE ) and informed them about my travel. From XX/XX/XXXX, thru XX/XX/XXXX, we made several calls to AE to discuss credit card account ending : XXXX. However, none of the AE representatives ever asked for any financial documentation, they asked income related questions but never asked to provide any documentation, On XX/XX/XXXX, while I was in XXXX I received an email from AE asking for financial documents ; I was given 14 days to provide these unspecified documents. It is my understanding that per Credit CARD Act of XX/XX/XXXX, a creditor shall provide a written notice not later than 45 days before any significant change. I tried to send a reply, but the email was returned undelivered. So I went online to have a chat session with XXXX, an AE online account specialist. XXXX put a note on the account about me being in XXXX and to provide needed documents on my return on or about XX/XX/XXXX. 
On XX/XX/XXXX, AE cancelled my account. Here are my arguments : I used AE card before my departure for a higher amount and paid the account in full and kept my account current and in good standing. I have other credit card accounts with AE none of them ever became past due or were late in payment. 
I notified AE at least two weeks before my travel XX/XX/XXXX, if any documents were needed why AE did not ask at that time. 
XX/XX/XXXX AE blocked further transactions on my account without any notice. 
I chat with XXXX on XX/XX/XXXX, and he put a note on my account. XXXX did not inform me that XX/XX/XXXX, is too late, and AE would cancel this account. 
On XX/XX/XXXX, I paid my AE account number ending : XXXX in full. I paid {$5300.00} and kept this account current and in good standing. 
On XX/XX/XXXX, while I was on a travel trip in XXXX, I was robbed XXXX. After the robbery incident, I notified American Express ( AE ) about this unfortunate incident. 
After coming back to USA on XX/XX/XXXX, I filed a claim with American Express ( AE ) and on XX/XX/XXXX I received a letter from AE, denying my claim. The above reference Purchase Protection claim XXXX # XXXX ) was denied by AMEX XXXX XXXX. 
As of this day I have not received any written notice and given no reason for the cancellation of this account. AE violated their purchase protection policies, prejudice my claim and closed our current and good standing account so they can ignore this claim.
Product: Debt collection

I requested verification of a debt owed to XXXX XXXX XXXX via the Regional Adjustment Bureau and received papers that have been fraudulently signed by someone other than myself and one of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of XXXX shows a total due of {$0.00}
Product: Debt collection

I had an old retail acct with XXXX XXXX that was opened XX/XX/XXXX. After I lost my job the account did become behind. The debt was never paid in XX/XX/XXXX my new wife became upset when she received a call ( XX/XX/XXXX ) saying I was being sued and having criminal charges against me. She was not aware of the debt since it occurred during my first marriage. The company also called my mother multiple times, also telling her that I was going to jail. My wife then began the proper actions to correct one of my lives mistakes. She spent several hours on the phone with XXXX XXXX XXXX and XXXX XXXX XXXX. After many failed attempts she began to write letters to both companies ( sent via certified ). ( XX/XX/XXXX ). On XX/XX/XXXX the calls began again. A female by the name of XXXX called stating she was from county clerks office and they are trying to serve me ( XXXX XXXX ) with court summons and failure to comply could lead to criminal actions. In a panic my wife returns the call speaking with a XXXX XXXX. This rep was rude cussing my wife and telling her that I was going back to jail for 8 months for having stolen property which could be longer since I just got out of jail. Someone has been misinformed because I work in XXXX XXXX and I XXXX XXXX XXXX not break it. I have recorded conversations with this so called collections company.
Product: Checking or savings account

Citibank has blocked my account and I can't access my funds! I need to pay my bills and everytime I call them, they do nothing! This should be illegal, my account is apparently under review but it's been 2 weeks. I need my money. Please help me!
Product: Checking or savings account

On or around XX/XX/XXXX I submitted information to establish a savings account with Synchrony Bank online. On XX/XX/XXXX small deposits and withdrawals were made and verified that I was an account holder at XXXX XXXX and I received an email that the account was approved. On XX/XX/XXXX I transferred funds from XXXX to fund the account. I received a " welcome '' mailing. I then attempted to link another bank account to the Synchrony account to access the funds and was denied access to online use. I have called Synchrony several times and have been told nothing about why I am locked out of my account or how long it will take for them to grant access. I was warned that all attempts to log in and all phone calls asking for clarification are " red flags '' and will delay the process. I was told that XXXX isn't a bank and therefore Synchrony can't accept funds from them, however, I received a statement for the period ending XX/XX/XXXX that shows all of the above activity and interest added but I am still not able to access the account online. I even asked for the funds to be returned to XXXX but that was denied. Today I was on hold for 15 minutes waiting to talk to a supervisor, was told it would be another 20 minutes holding and I should call back when they aren't so busy. At this point Synchrony is keeping my money, won't tell me why or when/if I will get it back. I have not been given any information as to why this delay is happening. Despite sending money from a verified account at XXXX and providing all kinds of information to establish my identity, I am being treated like a scammer, like I am guilty of trying to steal my own money. It really feels like Synchrony Bank intends to steal my money.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right have been violated. 

XXXXl XXXX Account : # XXXX & XXXXl XXXX 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, credit repair services, or other personal consumer reports

I started XX/XX/2023 disputing the incorrect display of my name and address to Transunion and XXXX. They sent back a stall letter but never corrected the information on my accounts.
Product: Credit reporting or other personal consumer reports

Hello. For my XXXX  loans, I owe just over {$14000.00} through the servicer XXXX. They recently transferred loan servicing systems. Because of this, my XXXX  loans are now showing twice on my Equifax credit report. I have disputed this with them, however, the dispute is closed and the problem has never been resolved. My credit report still shows an incorrect amount of over {$28000.00} in XXXX  loans. The old accounts that were closed and transferred need to be shown that way on the credit report to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

For at least the FIFTH YEAR IN A ROW, Equifax has refused me access to my annual free disclosure online. I answered their authentication questions correctly but they still insist on sending sensitive information through the mail as an alternative. The questions are attached. The answers to all are " None of the above. '' Playing Equifax 's game along with them I tried placing a fraud alert on my account ( after all if they believe I have one of these nonexistent accounts, that COULD be an indication of identity theft, couldn't it? ) but I wasn't even able to do that this year. I request one of my disclosures every four months ( XXXX  on XX/XX/XXXX, Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and Equifax is always the ONLY one I  have this problem with. Repeated attempts to inquire as to whether there really is an issue with my answers have been fruitless. When they eventually DO provide the disclosure none of the purported accounts are there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XXXX XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX BANK xxxxxxxxxxxxxxxx XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Late Dates XX/XX/XXXX, XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX  SERVICES, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. According to the report, there were three late payments on an account that was consistently paid on time. It's imperative that consumer reporting agencies maintain complete accuracy in their reporting. Attached to this complaint are copies of my credit report for the following dates : XX/XX/24, XX/XX/24, and XX/XX/24. I kindly request an investigation into this matter and ask for verifiable evidence to support the claim of late payments. If no such evidence can be provided, I urge you to promptly update the records to reflect the timely payments made. Your prompt attention to this issue is greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first dispute was sent the beginning of XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. The results of my disputes were completed XX/XX/XXXX. They are refusing to remove 3 of the 4 items from my credit report. They are XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. Per FCRA guidelines 650 Iwant this items blocked from my report.