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

XXXX XXXX has not reported any payments to my loan account from XX/XX/XXXX til XX/XX/XXXX. I have never received or got any notifications that credit reporting from this company had been disabled due to COVID-19. As of XXXX XXXX, I have yet to receive notification of any law or regulations stating any delays in reporting loan payments to any credit bureaus. On XX/XX/XXXX, I logged into my Experian credit report to find that XXXX XXXX marked me 30 days late for XX/XX/XXXX, when they had not reported to any credit bureaus since XX/XX/XXXX, before then XX/XX/XXXX. On XX/XX/XXXX, I made a web payment of {$880.00}. On XX/XX/XXXX I made another payment of {$1300.00}, which pushed my next auto loan payment to XX/XX/XXXX. But yet, they have marked me 30 days late for XXXX, when clearly XXXX was paid during the month of XXXX. I spoke with a customer service rep on XX/XX/XXXX at XXXX XXXX that stated XXXX payment should not have been reported late and advised me to dispute the issue. Per checking my payment history with XXXX XXXX there is a principal receipt of {$120.00} that has never been reported to my payment history or to the credit bureaus. Can you please correct this. Principal and interest is already added into the loan upon being approved for the loan. So why is more principal added in the middle of a loan agreement. It was also reported to The credit bureaus as a charge that increased my loan. Sounds like a scam to me. As of today XXXX, Experian and XXXX has wrong information on this loan. They have not been updated in months. The only reason Experian got updated is because I made a payment and it triggered a response from them, but its still incorrect. Before this, they had not been reporting correctly or even at all. My balances are incorrect on every credit report, but the XXXX XXXX app is showing correct payments on time and a decreased balance per the payment I made in XXXX. I have never had a late payment on my credit from XXXX XXXX. There was no indication to me, that any of this type reporting was legal.
Product: Checking or savings account

On XX/XX/20 a {$50.00} payment was scheduled on a recurring basis from my savings account and the balance was below {$50.00}, the following day I transferred the difference of {$47.00} which {$41.00} and {$8.00} was the actual balance, my history shows that every month I transfer the funds from accounts to cover charges due each month. 

TCF Bank charges fees to customers the next dat without giving customers any leverage to make a simple transfer the following day before they charge customers {$37.00} fee. I REFUSE TO PAY TCF A FEE!
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. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section St
ates : 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 vears.

15 U.S.C. 1681s-2 ( XXXX ) 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 card or prepaid card

I received an offer from Chase for the  XXXX  Premier Visa ( R ) Card. The offer was " Earn a {$200.00} statement credit after you spend {$500.00} on purchases in the first 3 months from account opening. '' I applied and was accepted on   XXXX   XXXX   XXXX  .
I charged my   XXXX   XXXX   XXXX   Tickets for {$990.00} on   XXXX   XXXX   XXXX  .
I checked my statement on   XXXX   XXXX   XXXX   and the statement credit had not been applied.
I called Chase on   XXXX   XXXX   XXXX  . They informed me that I was being sent a   XXXX   Gift Card instead. I told them that I do not need a  XXXX  Gift Card and asked for my statement credit instead. They told me that it needed to go through Marketing and that I would not be able to speak with Marketing directly.
I called on   XXXX   XXXX   XXXX   to follow up. I was told that there was no further information and that my 'request ' had been submitted.
I called on   XXXX   XXXX   XXXX   to further follow up and was told that the 'request ' was submitted but no further information was available.
I called on   XXXX   XXXX   XXXX   and was told that my 'request ' was denied and that the  XXXX  Gift Card was canceled.
I now have nothing but a {$49.00} fee from Chase. This is a classic 'bait and switch '.
Product: Checking or savings account

I deposited a check from my employer. Its my short-term XXXX check for over {$12000.00}. The bank not only put a hold on the check but theyre investigating me for fraud. XXXX who works for XXXX is the person who put the hold on this check and said it didnt matter what I did That they would not release the funds and he would take a sweet time. I have done everything I can do. The check is from my employer XXXX. Theres no reason for them to be doing this. Theyve already called the bank. The funds are there they know the check was authorized to me and they refuse to help and release anything and will not give me anybody of authority that can help me. I told him that I wanted to switch banks and they said tough luck that if the funds werent real that they would close down the account and charge me with fraud. I know for a fact that theyve already called the bank And theyve called my employer so they know that this check is not fraud and theyre just making my life miserable. This is the only money I have and Im gon na lose my car. Im gon na lose my home. Im gon na lose everything is result of this is the absolute worst bank ever Fraud, they are fraud s
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom It May Concern, As a vigilant and concerned consumer, I demand immediate and detailed information regarding the exact steps your agency has taken to ensure the absolute accuracy of the items in question, as mandated by 15 U.S.C. 1681i ( 7 ). Per paragraph 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), you are required to provide a thorough description of the procedure used to verify the accuracy of the information on my credit report, including the name, address, and contact number of any information furnisher involved. Compliance with this demand is expected within 15 days of my initial inquiry. I previously informed your company that I am a victim of a data breach and identity theft, and I provided an FTC Report to support my claim. I demanded that all fraudulent information be blocked and removed from my credit report immediately, yet the following items remain unresolved. This negligence is unacceptable, and I expect you to address this with the seriousness it warrants. Under 15 U.S.C. 1681c-2 ( a ), you are legally obligated to block and remove any information that I, as the consumer, identify as resulting from identity theft within 4 business days of receiving my complaint. The following item must be addressed without further delay : XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission XXXX XXXX XXXX - XXXX My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number 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: Debt collection

In XXXX & XXXX XXXX I communicated with the original creditor. That creditor said the debt was null and void due to change of management in the apartment complex and misappropriation of money. I sent that email to all 3 credit bureaus. The debt was removed from 1 but re-added without notifying me. I would like this debt removed from all 3 reports.
Product: Money transfer, virtual currency, or money service

Every so for time I out money in my pay pal account or someone wants to pay me they pay me then limit my account so I can get to my money they are constantly taking my money and not letting me take it out I have had this account fir years and im tired of it I want my money
Product: Checking or savings account

Used PNC 's Online Bill Pay to pay my XXXX XXXX credit card bill. In the autopay option in my PNC online bill pay, I had set up autopay and chose the option to pay " amount due '' upto {$1000.00}. It was my understanding that this would payoff the entire balance of {$450.00} on my statement from XX/XX/2017 ( since this was less than {$1000.00} ), but PNC only paid the minimum payment of {$25.00} for the last four months. This resulted in interest charges, and a negative impact on my credit score.

I brought this up with PNC bank talking to two different representatives in online banking services yesterday and today, and escalated to the manager today. They all refused to admit that there was any problem whatsoever with their systems, and refused to address the impact of the error.

Specifically, it is my opinion that 1 ) " Balance Due '' does not mean minimum payment and they fix their interface which I believe is misleading and erroneous.

2 ) Admit that this was a bank error and take responsibility for all interest charges from this error. 

3 ) They compensate me for the negative impact on my credit score, and their mistakes. 

Thank you for your help in resolving this issue.
Product: Checking or savings account

On Wed, XX/XX/2022 an unauthorized transfer was made to XXXX XXXX in the amount of {$830.00}. 

I contacted Chime to dispute the transaction and they denied the request to refund my monies. 

My Veteran 's Benefits and account with the XXXX XXXX  and Chime should be FDIC insured.
Product: Credit reporting, credit repair services, or other personal consumer reports

Related to case # XXXX Although the resolution for my dispute was to remove the satisfied judgement from my record, the same judgment appeared 3 times on my report and LexisNexis only removed 1. I called daily throughout the 36 days it took to receive a resolution, and multiple times the reps assured me that all 3 instances would be removed since they have the same case filing number. Now LexisNexis is stating they 30 days for the resolution though it's the same piece of information they've already provided a resolution for.
Product: Payday loan, title loan, personal loan, or advance loan

Fraudulent banking activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by Experian my mortgage balance increased by {$5000.00}. I purchased my home in XXXX of XXXX. After my down payments etc ... my mortgage balance is {$330000.00}. This was being reported to the credit bureaus, until around XX/XX/XXXX, when I received a credit alert my mortgage balance increased by {$5000.00}. I began making the classes to Experian and to our current mortgage servicer, XXXX ( XXXX XXXX XXXX ) Experian states this information is coming from the mortgage holder. XXXX is not the mortgage holder, however they are my contact for discussing my mortgage. I called XXXX, and they are saying they are not reporting this increase to my credit report. They told me the county tax accessor must be reporting to the credit bureau. Today, XX/XX/XXXX, I placed a called to the tax accessor about my concerns. They expressed to me, they do not report to credit agencies. This brings me back to XXXX, who told me yesterday they are not reporting this {$5000.00} increase to my credit report. At this point, this is holding me up from being able to secure a line of equity to help us continue to rehab this dilapidated property. I watch my credit score closely to try and secure financing with the lowest interest rate possible. This situation continues to lower my score, while it's false reporting of information. I don't owe taxes until XXXX, for which I have already paid into my escrow account to cover these taxes, as this is what takes place when you purchase a home. Taxes are paid in the rears. The former owner of the home, ( a bank ) is responsible for the XXXX taxes for my property. XXXX XXXX XXXX, XXXX XXXX. This is my second complaint filing, as the first is when I discovered what has happened and no one can give me a straight answer. Mortgage Processor pointing the finger at the tax authority is absurd! The entire process for purchasing this home began with XXXX XXXX XXXX, when I caught them discriminating against me, as I have a XXXX last name. Had everything not been so stressful, while running a business I would have filed suit against XXXX XXXX XXXX. This is my husbands last name, as I am a XXXX, born and raised in the XXXX, cousins to XXXX XXXX the great XXXX of XXXX. I have never felt the feelings of discrimination until now as people assume I am XXXX. I need this false reporting to be fixed and I do not know where to turn.
Product: Credit reporting or other personal consumer reports

There is no account number for XXXX XXXX on my credit file. 

XXXX XXXX states that this account was charged off as a bad debt. I should receive a 1099-C as this would be income on my taxes.

Income should not be listed on a credit report. Please remove the account.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Citibank blocked my account around XXXX of XXXX without contacting me or sending any emails about my account been blocked. 

After serval call with their Fraud Department, they said my account is still under review, and I will need to visit their branch in order to remove the block on my account. As a matter of the fact that I am living in Alabama, there is no branch in my state, and the nearest branch will take me 8 hours plus to get there. I have well informed their agent, but they keep ignoring the fact about this unreasonable request and insist me to visit their branch to verify my identity. 

On the second week, I reached out to their supervisor in the " ATO '' department, that supervisor told me that I could mail my Identity document to their corporate office in order to remove the block on my account. 

On XX/XX/2019, I mailed my document out to Citibank, and the mail was delivered on XX/XX/2019. On the next few days, I tried to reach out to their agent in the " ATO '' department. They declined the fact that I was giving this option to remove the block and insist that me to visit their branch. Beyond that, they refuse to disclose any information about my account. As I asked to be transferred to a supervisor, they declined my request and kept repeating that I need to visit their branch. 

As I keep trying to contact their supervisor, some agent starts to give me faulty information, like their supervisor is not on duty, in a meeting, my account is not handled by their department. Blah blah blah ... 

During those calls, I requested my account to be close out so that I can have my money back. They declined my request and said I need to visit a branch to close my account. 

This request is absurd, they only operate in a few states across the U.S, and they expect their customer to visit their branch to solve any banking issues. 

By now, they are still " reviewing '' my account. They refuse to provide and information regarding this account block and a specific timeframe for this " reviewing '' process. It's almost two months since Citibank has blocked my account. This negligence of Citibank cause me tons of troubles, and I'm paying high-interest rate for my credit card since I can't use access fund to pay off my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im currently XXXX year old about 2 months ago i got a copy of my credit report and there were accounts and subsequent inquiries on my credit report I contacted XXXX XXXX to have them removed they did three investigations and said that it was vaild each time but the credit bureaus too it off my reports because i sent actual proof my id social security car my ftc report and a written statement it was removed not today they said the creditor requested the information be unblocked i sent legal government documents proving im a minor and they countinue to jeopardize my future and for what other than to be just nasty I should not have to go threw this im a XXXX i should be focused on school not my credit this isnt fair they fix my problem the put it right back on there it disgusting behavior from XXXX XXXX and the three major bureaus To be doing this to a XXXX the accounts were opened in 2019 a quick look at the documents i sent would confirm that but they choose to be difficult
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. I sent correspondence about this issue more than a month ago, but have received no reply, nor has adequate validation been provided. I am now seeking your help to address and resolve this situation swiftly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$230.00}.
Product: Vehicle loan or lease

I applied for a consumer credit transaction as a natural person acting in good faith to purchase a vehicle for personal and family use on XX/XX/XXXX, XXXX application was completed by XXXX XXXX XXXX XXXX and they sent the application to Ally Bank XXXX I made myself perfectly clear that is was a consumer credit transaction and I was supplying the credits to make the purchase of the truck. I issued them my social security number which is connected to my account held by the Treasury known as the birth certificate account, XXXX que vie trust and public charitable trust. I made it clear I was extending credits that is available to me via XXXX XXXX and Public Law 73-10. I advised them this has been law for almost 100 years and has been hidden from the people and I was using it to buy a vehicle. I received an adverse action letter dated XX/XX/year>. I advised them I was not subject to adverse action according to law because I am extending my credits. I made it clear that I am the one that regularly extends credits when making purchases in commerce. I submitted letters explaining in detail 15 USC 1602 the definition of credit card is pretty much unlimited to anything if it is used to make a purchase using credit. Therefore My social security card is considered a credit since it is the number used to access my account which contains my credits that are owed to me by law. I explained that the normal process was for them to access the account and not advise the consumer that it was happening leaving the consumer completely in the blind which is fraud for failure to disclose the consumer credit transaction in full. I have made several attempts with ally Bank and I have been ignored and told they were not familiar with the process I am talking about which is a bold face lie. I am an American XXXX XXXX therefore I have taken back my birth rights and also claimed my Estate known as XXXX XXXX. They have also received all the proof of my status correction and have totally disregarded my request to revisit the denial because it was unlawful. I have also mentioned the acceptance for value process but they don't want to hear that. I advised them acceptance for value process is the best way to make the purchase because they get to keep their credits, I get my vehicle and the Federal deficit goes down for the amount of the purchase. Again I was completely ignored.