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

On XXXX-21 I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I obtained my credit reports from all three credit agencies, and I found this inquiry on my Transunion report. I am unaware of this inquiry from XXXX XXXX I do not have an account or contract with this company, nor have I reached out to this company for services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I made monthly payments on a Chase credit card via auto pay through their website. The payments showed made each month when I logged in as well as on my monthly statements.Then in XXXX of 2016, they reversed every payment saying my bank refused them. We are talking years worth. My bank said they never returned any payments. Since I could n't see the payments coming out of my bank, I paid Chase very soon after each time they hit my account with returned payments. They did that in about XXXX batches totally almost {$5000.00}. Then, they reported to the credit bureau that I made these payments late! I do n't know what happened in the inner workings of Chase Bank and my bank XXXX, but to my knowledge those payments were being made each month in a timely manner, my proof is my statements from Chase. In all those years I have n't been late on any payments. As soon as the problem arose, I paid Chase. They should n't have reported me as willingly making late payments, when I had no knowledge there was a problem with my payments to Chase until XXXX 2016.
Product: Debt collection

I have contacted LVNV Funding by mail four times : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed this account because I was unaware that I owed any money to the original company. I was also not contacted by LVNV Funding. The only way I found out about the debt was when I applied for a home loan and they informed me that I had a collection for LVNV Funding. After, I immediately sent a letter to LVNV Funding requesting for verification since I had no knowledge of the account, and had never been contacted regarding the account. 

Since I sent the letters, I have not received any verification, or information, on the account from LVNV Funding. This has prevented my approval for a home loan for awhile now. This is extremely upsetting considering the interest rate increases in the meantime. I would like immediate removal from my credit report of this derogatory item.
Product: Credit reporting or other personal consumer reports

I am unable to apply for an XXXXXXXX XXXX XXXXXXXX XXXX because my Experian credit history has not been updated since 5 months ago. I'm suffering from the fires and my credit history hasn't been updated properly. 

XX/XX/XXXX After waiting on hold for over an hour on the phone, I finally got through to find out that my credit history was not being updated and my latest FICO score was not showing up. Only to be told everything is fine However, still the message " Your dispute results are currently not available online '' XX/XX/XXXX Same request as above, same answer XX/XX/XXXX Same request as above, same answer XX/XX/XXXX Same request as above, same answer
Product: Checking or savings account

I had XXXX dollars deposited into my account from my job. Within 10 minutes of my money being deposited, the money was also stolen from another individual. I called Chime to dispute the transaction the representative that I was speaking with first hung up on me and then canceled the dispute. I called back, reopened the dispute again, and they refused to give me back a dime of my money. Ive reopened this dispute about three or four times. I just moved to a new state. The money that was stolen was for my rent. It is now behind as well as my lights because of this issue. I just moved in. Im not trying to get kicked out. I have a XXXX XXXX for. Chime has refused to deal with my dispute every single time I have contacted them. They want me to do my own investigation and I know nothing about this person but the name that I can see on my end. That being said, I have XXXX this person found multiple addresses and phone numbers and Chime still refuses to do anything for my case.
Product: Credit card or prepaid card

This Complaint is against Citibank regarding my credit card account that I have had since XXXX. After 32 years, Citibank issued be a letter informing me they are not reissuing my card upon its expiration in XX/XX/XXXX. Citibank has stated it is due to " a bankruptcy or charge-off on another credit card issued by Citi. XXXX A similar action was taken regarding my Costco credit card for which I will also be filing a Complaint. Citibank representatives indicated to me they have no authority to change this decision. I also have a Citibank Citi Advantage Credit Card about which I can presume a similar action will be taken. 

I have never been late or missed a payment on my credit cards- the longest of which is the subject of this Complaint for 32 years. I also have no history of bankruptcy. 

Citibank claims it " charged-off '' a Home Depot Credit card in the amount of {$13.00} which I had no knowledge of. I currently have a Home Depot credit card and currently use that card. Apparently, a second card was opened at a Home Depot check-out register to which I had no knowledge of, and which I never used. Citibank continually charged minimum service/interest fees and eventually " charged-off '' an account that had a balance of {$13.00} and again, no charges of mine, as I never used this card. 

Citibank 's recent action of which I was notified on XX/XX/XXXX, is unreasonable and places my credit status and credit report in jeopardy, and moreover, its decision, which seems to be based on computer methodology, is prejudicial and disparately affects long-standing customers like myself with an outstanding Citibank record XXXX with a history of on-time payments and loyalty.
Product: Money transfer, virtual currency, or money service

I have been submitting numerous practices at Banks that do not protect consumers. Over XXXX was moved from my XXXX now XXXX account in XX/XX/2018. I reported to local and state police, FBI, FTC, IRS, DEA DHSSS banks and XXXX. No one calls me back because no one investigates for consumers. XXXX blames bank, bank blames XXXX or records, local police cite jurisdiction, attorney general or consumer protection say call police. Town where bank is tells me to call police in town I love, state police say call cyber unit who tells you to call local police. Its horrible. Only banks are protected. 

USAA reported to me coincidentally on XXXX XXXX that XXXX} was attempted to be withdrawn from this individual account and sent to XXXX but the funds were not available. Coincidentally I received a call from XXXX about the XXXX XXXX theft sent to XXXX and they shared they have no record of an attempt to withdraw XXXX from USAA account. That means its a fraudulent XXXX and I still suspect it was the same criminal from XXXX Who investgates ... ... no one. I have no XXXX auto withdraw but if funds were there it would have been taken. Banks are not protecting us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit investigations on XX/XX/XXXX. Equifax and XXXX XXXX were supposed to respond within 30 days but have not. Its been over 45 days, and I still haven't received anything from Equifax and XXXX XXXX. XXXX  did respond in a timely manner.
Product: Mortgage

This is regarding the property located at XXXX XXXX XXXX XXXX XXXX WA, XXXX. {$80000.00} in insurance proceeds being held by XXXX XXXX and now Provident should have been dispersed to me when requested in the middle of XXXX. I have been waiting two months to receive the funds for a process that should have been completed within a week. For some context/background : This loan was previously with XXXX, XXXX and was transferred to Provident, XXXX XXXX. I had a burst pipe in XXXX at the house which required extensive repairs and mitigation. My insurance company ( XXXX ) wrote a check to myself and XXXX XXXX back in XXXX. XXXX then dispersed $ XXXX to me to begin the project. The project was completed in early XXXX and I paid for all remaining repairs out of pocket. I ordered an inspection through XXXX XXXX at the beginning of XXXX. It took over two weeks to even get a response from an inspector who wasnt going to be in my area until the middle of XXXX. The inspector completed the inspection on XX/XX/XXXX evidencing the project was 100 % complete and sent that report to lower. I followed up with lower a few days later to inquire about my funds and was informed, they couldnt find the inspection. After speaking with a supervisor, they managed to find the inspection and were going to overnight me my funds. Nothing arrived so after a few days I called back to then be informed they also needed an updated adjusters report as well as XXXX waivers ( without my prompting I can only assume they would have done nothing ). Both were sent to lower the same day. Adjuster sent them an email directly on the same day as well. On XX/XX/XXXX, they had everything they needed to send me my funds. 13 days later my loan was sold to Provident, still no funds sent to me. 

I now call provident and am informed that they do have my funds, but none of the accompanying documentation. I was told I should just continue to wait and eventually XXXX will send over the documents and Provident will process my payment. Obviously, that hasnt happened, and Provident has not received the documents from lower. I have called XXXX XXXX many times with no success of gathering the information required to have my funds disbursed to me. They no longer take phone calls. 
This has caused financial duress as they have held {$80000.00} in funds for over two months now in a process that should take less than a week.
Product: Credit reporting or other personal consumer reports

After doing some research i found out my data was leaked in a breach. I don't know how this happens but it resulted in multiple accounts that werent mine on my report. There were XXXX as of XX/XX/XXXX. The accounts are XXXX XXXX XXXX opened on XX/XX/XXXX with a {$820.00} balance. XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$1300.00} balance. XXXX XXXX opened on XX/XX/XXXX with a {$4400.00} balance. XXXX XXXX opened on XX/XX/XXXX with a {$1800.00} balance. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX with a {$1200.00} balance. As you can see most of the accounts were opened within the same time frame.
Product: Credit reporting or other personal consumer reports

You were notified that my information was compromised in the XXXX data breach and failed to remove the disputed accounts from my consumer report. Please see the attached FTC report and XXXX XXXX breach claim id and remove the following accounts from my credit report within XXXX days : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/16 I spoke with a representative named XXXX at CITI and he declined my request for a report detailing my charge history and interest rate changes over time. He told me he would have to call me back to verify my account after I provided XXXX digits of my social security number. 

I feel strongly that this information is available only to the company, and as a consumer being charged 26.99 % interest I have a right to know my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter out disputing account on XX/XX/XXXX. The tracking on the letter states that the letter was picked up from their post box on XX/XX/XXXX at XXXX. The 30 days have passed and I didn't receive a response to my letter so therefore the account should be removed from my credit. Attached proof of delivery to the collector.
Product: Credit card or prepaid card

We have been Citibank customers for over 25 years with a very high credit score. We detected unauthorized charges to our Citibank card in XX/XX/XXXX. We immediately contacted Citibank 's fraud unit; reported the charges as being unauthorized and requested that the card be immediately cancelled. Citibank failed to cancel the card until we called again to complain. The charges total up to {$11000.00}, all of which were incurred at various XXXX XXXX XXXX we have never been to in XXXX, XXXX and XXXX, XXXX. The charges occurred over the course of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - XXXX. The charges start at around {$50.00} and increase in {$10.00} increments up to approximately {$100.00}. There are anywhere from 15 to 25+ charges in a single day. We have called Citibank at least 1-2 times per week for the past 4 months to make sure the charges are dropped from our statement as they remain as part of a balance on our account. We always pay off our balance each month but refuse to pay this balance. Citibank needs to address this issue yet they issued us a letter that states " this was not fraud '' because you did not report a stolen or lost card and is asking us to pay the {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. XXXX XXXX XXXX, account number : XXXX, balance : {$210.00} XXXX. XXXX XXXX XXXX XXXX, account number : XXXX, balance : {$4300.00}
Product: Credit reporting or other personal consumer reports

Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has seriously affected my credit score. Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. I am requesting that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name of company : XXXX XXXX XXXX of reported late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I would appreciate your prompt attention to this matter to rectify any errors in my credit report. Lastly, I have tried to call XXXX XXXX to speak to a live agent, but their robot answering system makes it impossible to get through to anybody, This makes it difficult to ask questions, give and request documentation of my loan information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. 
Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 
The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Navy Federl Credit Union agreed to not share my nonpublic information with non-affiliate. XXXX is not an affiliate of Navy Federal Credit Union.

15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681b ( a ) ( 2 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ) 15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1602 ( l ) 15 U.S.Code 1602 ( j ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 6801
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my credit report. There are some inaccurate items listing on my report. Two accounts reflecting two different balances. I tried to get this resolved with the original creditor and the collection agency. They refused to correct the items and I would like for them both to be deleted from my report for inaccurate reporting
Product: Mortgage

A Deed of Trust were procured by fraud involving INDYMAC BANK in XXXX. In XXXX, FDIC closed INDYMAC 'S doors and reopened it under INDYMAC, XXXX Request for FDIC to provide information relating to this erroneous loan in which INDYMAC BANK claimed to have " paid out '' an outstanding debt to " XXXX '' in XXXX. The purported loan number is XXXX. Require FDIC to show the equal consideration of the loan balance that were received for this loan in XXXX, after INDYMAC filed for chapter XXXX and debts were discharged.
Product: Credit card

JP Morgan Chase XXXX % concern is that Annual Fees or Finance Charges are Too High To XXXX XXXX Which Is Cool in My Wellcare Client or ResultsCX Job. 

XXXX called and the outreach is just a soothing of the finance charges that a manager might continue the problem or the goodness that both entities would like to see. 

Can coordinate to get ASAP Response So a Texas XXXX XXXX XXXX XXXX XXXX Can Even Live To See Another Hour In This Life or Down Below From A Seminary School Perspective. 

XXXX XXXX XXXX
Product: Debt collection

SYNCB/JCP XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$880.00} {$880.00} -- -- -- REV {$0.00} CHARGE Jcp must have wrong person why posting someone else debt on my credit
Product: Debt collection

ROZLIN FINANCIAL GROUP L at XXXX XXXX XXXX XXXX XXXX XXXX  Has been sending me collection notices in the amount of {XXXX. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues with it's purposely XXXX XXXX XXXX XXXX XXXX negligence in the attempt to willfully continually spitefully SUPPRESS my employment, financial, and personal business regarding their credit score reporting despite the ( attached ) XX/XX/2016 settlement agreement awarded from the federal court complaint filed vs. them, and their purposely continued inaccurate credit score reporting conduct, and activities. All this despite my credit being in really GOOD standing per the attached credit report ...
Product: Debt collection

The debt was allegedly opened on XX/XX/2023 and has a balance of {$380.00}. I have requested Verification and validation of debt as well as the means by which debt was validated and/or verified.