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

I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount.

Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. 
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos )  Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. 
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.

( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
Product: Credit card or prepaid card

I have the BestBuy Store card by Citibank. As of XX/XX/XXXX, I had XXXX non-payments no interest purchases, of which XXXX ended on XX/XX/XXXX. In my online account, it tells me what the total due is for each XX/XX/XXXX payoff balance. I was told by several of the bank 's agents that if I make an exact payment that matches the payoff amount of a transaction, the system knows how to pay that off. I had tried that several times and found that is not the case and called back over and over. On XXXX, I made a payment of {$92.00} ( the exact amount of one of my no payment no interest purchases ). I waited for the account to update, but it does not update in real-time nor before the end of the month according to the agent, I spoke w/because it wasn't wiping out that transaction in my online account. The female agent that helped said she made a note about that. She then asked if I was going to be paying off the other 2 outstanding. I had one that was under {$100.00} and one that was {$690.00}. I told her because the {$690.00} had the highest interest penalty, that I had planned to pay that one off for sure, she said that she told the system that a payment of {$690.00} was to be allocated to that {$690.00} promotional balance. A {$690.00} payment was made on XXXX satisfying the {$690.00} promotional balance, I called in on XXXX and spoke with a gentleman, who told me he sees a {$690.00} allocation 'trigger ' was set up by the last agent. That agent told me that I now actually only have one promotional balance unpaid on my account and that was the one that ends in XXXX XXXX for {$2100.00}. I did not believe the agent so I made an additional {$82.00} payment while on the phone with him. Now that the month ended everything came to light, except somehow 2 of my promotions are not paid off owing {$82.00} and {$10.00} or so, yet online right now it tells me I owe {$1.00} and XXXX cents. I just spoke with a regular XXXX agent who transferred me to a super named XXXX, who thought it was not Citibank 's responsibility to have his agents provide correct information and that everything falls on the customer, so I asked for his supervisor, he transferred me to XXXX, who seems like she understood the issue, could see where errors were being made and is providing me with a credit that should correct this issue. Here is the problem, Citibank does not provide or give customers any real-time data to know where money is going to, or what money is owed on a XXXX interest promotion, I think they purposely set it up so that customers can't actually pay things off to avoid interest payments, otherwise, why would such a large company like Citibank, not have a system that shows real-time and accurate allocation information to the customers. Something else is going on here and Citibank needs to be looked into.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I signed a rental agreement for property on this listing - https : XXXX Upon executing the document and sending the deposit the rental agent XXXX XXXX stopped taking my calls and emails to this address XXXX also to XXXX - Two transactions from Wells Fargo XXXX through XXXX to XXXX were sent, one for {$2500.00} and one for {$1300.00}. 

The payments were through two bank accounts with Wells Fargo Bank
Product: Credit reporting or other personal consumer reports

I applied for a business credit card with XXXX, I have been a card holder since 2017. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my XXXX  business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ). XXXX XXXX, account number : XXXX. I demand you remove these entries immediately. According to the Fair Credit Reporting Act you are illegally reporting this account. Once the debt is charged off it becomes income to the consumer which is illegal to be reported. I will be filing a complaint with the Consumer Financial Protections Bureau., ( XXXX. ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. ( XXXX. ) XXXX XXXX. XXXX Canceled Debt Is It Taxable or Not? After a debt is canceled, the creditor may send you a XXXX XXXX, XXXX of XXXX showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form XXXX showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form XXXX, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form XXXX. The IRS considers charged off accounts as income and should not be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few unauthorized inquiries on my report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And late payments when my account is never late T-Mobile In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Vehicle loan or lease

I am currently a customer with a car loan through Ally financial and it cant complain enough about the terrible customer service with this company. I went into my account to change my credit card information due to changing banks and after applying my new card Information they locked me out of my account. So I called and they told me to try logging back in in about 5-7 days ( ok no problem ) after 7 days I try to log back in and still locked out so I called once again to see what the deal with and I get the same answer over and over again so I ended up having to pay my payment thru XXXX XXXX so I wouldnt get penalized. So the following month came along and STILL locked out of my account. Still no answer, still not one person tried to help me get into my account to pay my payment so once again I had to do XXXX XXXX and today I am once again in the same boat and I REFUSE TO KEEP USING XXXX XXXX. Im a very unhappy customer with Ally bank I have been a customer for about 1 year 1/2 and never once had a missed or late payment. I just dont get it. I need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Privacy Act 1974 15 U.S Code 1692c It is considered identity theft when creditors give our private information to another company. 

I have found that this company has shared my information with many financial institutions in regards to closed checkings accounts, saving accounts and they update the report with a paid in full or settle in full status with out my permission. 
That is referred to as identity theft. 
They are also reporting the wrong personal information. 

Chex Systems , Inc has caused me great distress with having to find other institutions to bank with. 
Due to the reported information on file with Chex Systems ( against my consent ), I have been unable to partner with other institutions.
Product: Checking or savings account

First Horizon bank on XXXX XXXX, XXXX tn XXXX, yesterday XXXX between XXXX. 
Huge lines outside at drive through, first I asked for cashier check from my business to another business, bc I have personal account ... she said yes and sends withdraw slip. I filled out everything including my business and details on the back how to make cashier. Id and debit card already in.

After few minutes shes can not make it from a business ... ok just give me cash, I asked first, Im late!

After few more minutes she asks my ssn, told her not normal to tell ssn in parking lot for everybody to hear! Ssn is on file! Anyway I gave  ssn. After a while she goes about some form for irs bc over XXXX ( was XXXX ) ... ok Im very late! 
After more minutes asks occupation ... dont have one, just need my money! Shes asked if retired ... no, dont need occupation to get my money!

Other customers outside yelling at them bc is closing time!

Nothing for many minutes so I call ... asking what is happening with my cash ... shes saying no cash without occupation! Finally I get mad and told her that she knew my business name, wrote on back of the slip, and shes trying everything not to give my cash! Now they closed and even after yelling twice my occupation and business name/address she sent my card and id out! Completely ignoring me outside! I had to live to see a teller doing whatever she wants with my money and my integrity!

Now I know how many hundreds I lost being late ( late fees arent  cheap at XXXX for my dealership ) so to show my disgust I put tube on floor ... filming the window trying to get a face with this humiliation ... no time bc security guy shows and blocks my car, standing in front of my bumper! Very angry asks me to pickup tube, I asked if there is a law ... littering ... so thats trash? No! Ok so nothing to talk about!

Scene is illogical bc can not open the door when door blocked sitting next to tube, and can not reach it sitting in the car ... this was another way of humiliation!

I keep asking security guy to move and let me go, and explain that they refused to give my money and thats unacceptable ... he keeps saying to pick it up, and that I didnt give info they requested ( so security is playing her dishonest game ) ... said no and for last time clear the front of my car! I start car and start creeping forward, he  doesnt move, front bumper touched his leg and I stopped ... hes reaching for his XXXX ... I yelled at him to stop or hell XXXX  XXXX  XXXX have to defend myself! He stops and move, after more yelling ... I explained about the lawsuit coming and hell be part in it. 
Finally I can drive away from one of the worst 40min in my life.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a payment of {$1100.00} to an account XXXX XXXX via zelle ( through my XXXX  XXXX XXXX checking account ). The account holders email is XXXX. XXXX confirmation number XXXX. 

On XXXX I was apprised by the recipient of the funds that it was a scam therefore the transaction is totally bogus. 

This is what I received in the text from the scammer The Zelle account owner is XXXX XXXX and his roommate. I scammed both of you. 
My friend needed a surgery and I had to raise that money for him. I never planned to do that, but I am really sorry. I couldnt stand to see my best friend die in pain. The whole check stuff is a scam. I promise to return your money back to you and XXXX when my friend is back to life. We will work and return money back to both parties. I am really sorry once more. 

I want the bank XXXX  to work with zelle to get the funds back from the scammers. I opened a case with XXXX ( case XXXX ) but have not heard back anything yet. 

I can be reached via email or phone XXXX for any additional details. 

Please assist in this regard XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. XXXX XXXX XXXX. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX that United Consumer Financial had reported this account as late to them. It was investigated by XXXX XXXX has being REMOVED FROM THE REPORTS.
Product: Debt collection

This XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX is reporting a fraudulent collection and account balance of {$XXXX} on my Credit Report that is NOT MINE and I have absolutely NO KNOWLEDGE of this Company and any account. I have NEVER DONE BUSINESS with this company and I have never signed any contracts or agreements with this company. I have never given this company authorization or permission to illegally purchase my XXXX XXXX XXXX and attempt to collect a fraudulent balance in my name. This is a VIOLATION OF MY RIGHTS and FEDERAL LAW and therefore this account must be DELETED IMMEDIATELY from my Credit Report as per FCRA Law and Regulations. This Collection Company has breached my Private Information and is falsely reporting an account on my report that is damaging my Credit Profile and Credit Worthiness and I am prepared to take my documents and evidence to court with my Legal Representation until this fraudulent Account is rightfully DELETED.
Product: Mortgage

I have had a mortgage loan with Sun Trust Mortgage for almost 10 years. In that 10 year period I was late only once with my payment. My interest rate is 6.8 % and I have tried twice to refinance with Sun Trust at a much lower rate. Both times I was told I did not qualify. I find it ironic that I do n't qualify when I have been making my payment on time for 10 years. I also have had credit cards with Sun Trust for years and I have never just made a minimum payment or been late. I have always been in good standing. 
Is there anything that can be done to lower my interest rate with Sun Trust? I have also been told by Sun Trust and XXXX XXXX that due to the fact that I have a conventional loan not connected to XXXX that I do not qualify for HARP. 
Thank you for any advise or help you may be able to give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law and this is a formal complaint not sent in error or default. The information on my consumer report is not reporting 100 % maximum accurate as well as the unauthorized use of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX. 
Account # 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 card

Charges on XX/XX/year> and XX/XX/year> were made for a total of {$1800.00}. The charges are for a website that was not as described in the contract. The charges follow textbook definition of fraudulent. American Express claims its card holders will never be liable for fraudulent charges, however, they are not disputing the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to XXXX, XXXX and TransUnion about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Product: Credit reporting or other personal consumer reports

I appreciate the time Equifax made to remove two fraudulent inquiries. However, there were still items that I needed to remove from my credit reports. And Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. So please remove these items listed in complaint. Please see items that the Credit Bureaus needed to remove within 15 days timeframe below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Over the course of   XX/XX/XXXX , I ac crued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on   XX/XX/XXXX .  While I was on  XXXX   XXXX , the colleg e discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA.  That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA.      ( my  web browser wont let me select the box for publication of this complaint, but I consent to the CFPB 's doing so )
Product: Credit card or prepaid card

On XX/XX/XXXX, I spoke with a Navy Federal Credit Union supervisor about the closing of my credit card account, the transfer of my security deposit and why. The Navy Federal Credit Union supervisor was very rude and told me " due to non-payment on my account for 3 months it was closed because that's what their terms and conditions state ''. Navy Federal has no right to close my account while it was in dispute.
Product: Credit card or prepaid card

Chase credit card. 

I disputed charges from a XXXX school, XXXX, after I had canceled my membership. I provided clear proof of the canceled membership, in the form of an email from XXXX general manager. Yet Chase upheld the disputed amount and withdrew funds from my bank account. 

Indeed, Chase withdrew MORE than XXXX charged. 

My statement shows Chase withdrawing payments as follows : Date Amount XXXX {$69.00} XXXX {$98.00} Total : {$160.00} Total charges by XXXX after my membership cancelation date of XX/XX/2020 XXXX {$69.00} XXXX {$29.00} Total : {$98.00}
Product: Credit reporting or other personal consumer reports

Ally is still showing on my credit report XXXX later stating my first delinquent was XXXX XXXX but that should be in XXXX this acct should have need removed last year but still showing and showing negative on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago, I had a catastrophic event that prevented me from paying my XXXX XXXX bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that XXXX reported me as deceased. I have tried to contact XXXX to correct the issue, and I have reported the error to XXXX and Experian, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is using stall tactics so that they do not have to investigate my dispute. I've already assured them that I am a victim of fraud and therefore it is myself disputing such things off of my credit report. A identity theft report has been filed months ago.