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

XXXX : Citibank Joint Checking Account - Line of Credit Account # XXXX My husband and I opened this joint account in XXXX. 

In XX/XX/XXXX, I noticed on my credit report that this account was reported negatively as " Charge off '' in the amount of {$18.00} Neither my husband, nor I had not received any notices, bills, documents or any correspondence from Citibank regarding this. 

In XX/XX/XXXX, I called Citibank and eventually was connected to the Recovery Dept at ( XXXX ) XXXX. The representative informed m that Citibank had the wrong address on file and that they had been mailing all correspondence to the wrong address at XXXX XXXX XXXX XXXX, Washington DC XXXX. 

My husband and I have not lived at that address for years!!! 

SInce my husband and I had not received any correspondence regarding this issue, we were not even aware that there was a problem until I saw it on my credit report. SInce we were not aware of any issues, there is nothing that we could have done. The Citibank representative told me to fax my concern to 2 different departments : the " Credit Reporting Disputes '' at ( XXXX ) XXXX and to " Billing Disputes '' at ( XXXX ) XXXX. I asked the representative if I could pay this amount right there and then, but the representative stated this was not an option since the account was in " charge off '' status. I asked what I could do to resolve the issue. Once again, the representative told to fax my concern and requests to those 2 departments. 

On XX/XX/XXXX, I faxed a letter to both of these departments, asking them for a resolution. I asked them to remove the negative credit information, and change the account to good standing. 

I received no responses to this faxes. 

A a consequence, I hired XXXX XXXX to correct this problem in XX/XX/XXXX. XXXX XXXX sent several letters to Citibank asking them to correct this. Citibank has not corrected the problem. Citibank has never offered me an opportunity to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. 
XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/17 XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00}
Product: Debt collection

Account Resolution Services Amount {$200.00} XX/XX/2018
Product: Credit card or prepaid card

I called XXXX on XX/XX/2018 and purchased a XXXX XXXX XXXX XXXX XXXX   for delivery to a friend, on my Account List, XXXX XXXX. When I got email confirmation XXXX clerk erroneously had it delivered to me, not him. Called XXXX and 3rd Party Vendor less than 3 minutes after order placed, both agreed to cancel purchase. 
I later purchased it, for delivery to XXXX XXXX for the XXXX advertised price of {$940.00}, XXXX XXXX XXXXSynchrony Bank continues to fraudulently charge me {$1100.00} not {$940.00}, the correct price pursuant to actua order placed and XXXX Website!
Product: Money transfer, virtual currency, or money service

Someone called me saying they were from XXXX XXXX fraud department and were letting me know about some suspicious activity on my account using Zelle. I don't have a XXXX XXXX account anymore, nor do I have a Zelle account. They gave me a claim number and told me the transactions that were fraudulent then transferred me to another person who said they were from Zelle. They were very insistent that I stay on the call with them to resolve and reverse the charges on my Zelle account. I had to get to work so I asked for a callback number. 

Here is the phone number they gave me to call them back : XXXX
Product: Debt collection

I did a title loan with Westlake Financial Services. In XX/XX/XXXXmy car was repossessed and I was asked to pay {$1600.00} and then it was changed to {$2900.00} by XXXX XXXX ( as it is written on the letter emailed by Westlake Financial ). I was verbally told over the phone to pay {$2900.00} and {$1000.00} on XX/XX/XXXX to have my title released within 15 days. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still try to call the office with another XXXX XXXX phone without success. On XX/XX/XXXX I called to make the payment of a {$1000.00} and they refused to take my payment stating it was past the deadline ( 1 day ) and that I now owe {$8200.00} ( from {$1000.00} ). I have been calling for days and I was given different figures such as {$8900.00}. {$7900.00}, {$5300.00} and now {$4200.00}. Their supervisor has been avoiding me. The letter sent to me by Westlake never mentioned XX/XX/XXXX as the last date to make the payment. Verbally I was told XX/XX/XXXX, and it was never mentioned to me that If I didn't make the payment on that date the deal will be off. I have the recording with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want to close that situation. I am willing to pay the {$1000.00} they have requested over the phone and get my title back. 
Sincerely, XXXX XXXX
Product: Debt collection

I rented an apartment with XXXX XXXX XXXX about 2 years, during the final year of my lease ( XXXX ) they switched owners, raised the rent, fired several workers, and began neglecting the building & units maintenance request. Due to an ongoing water leak starting on the 10th floor my bathroom ceiling fell in on the 4th floor. I lived with a gaping hole in my bathroom for 2 months while constantly reaching out the building and submitting maintenance request. It was until I emailed management the photos of my living conditions, including the growing mold, the water leak, and gapping hole in the ceiling, thats only when the building sent a worker to cover the hole and paint over the mold. A few months later my ceiling fell in again, I reached out to a lawyer for some legal advice & they suggested I put my rent in an escrow account until the issues with my apartment/building were handled. For three months my rent sat in escrow, while I reached out to the building for assistance they were unreachable by phone, no one was ever down in the leasing office, and Ive sent several emails at this point instead of addressing the issue I get a paperwork taped to my door stating I was being evicted due to unpaid rent, my lawyer and I went to court XX/XX/year>, he met wirh the buildings lawyer and they decided judgment by agreement due to the severe nature of the building, the rodent infestation, one functional elevator, and the 43 open violations from the city, that no money would be owed or due to XXXX XXXX XXXX I could remain in my apartment for an additional month without pay while I made the to my new one. I moved out a month later, both parties in agreement that my previous balance was now XXXX, a few months later I began receiving calls, emails, & letters from the law office of Brett M Borland stating I had a previous balance with XXXX XXXX XXXX in the amount of XXXX. I informed them that this account was settled in ligation, his information was inaccurate, and that this was in an illegal attempt at debt collection for debt I did not owe. Several times I was hung up on the phone by multiple representatives, Ive emailed court documentation supporting my claims they are left unresolved and unresponsive, Ive sent copies of the court documents and letters requesting this company delete the inaccurate information reported to my consumer report without my consent they refuse to acknowledge any attempt of fixing this error. This company is completely unethical and unprofessional they continuously ignore communications, they are very rude to customers as well Ive reported them to the XXXX as well there comments are filed with other customers complaining about their services, same with XXXX I dont know what else I can do to have this error fixed its impacting my consumer report my credit scores has completely dropped.
Product: Mortgage

My mortgage servicing was sold to US Bank shortly after I purchased my home in XX/XX/XXXX. FIRST COMPLAINT : I have always paid my mortgage on time, never any late fees. Then, in XX/XX/XXXX, they began charging me {$25.00} in processing fees if I did not pay by the XXXX of the month. All other mortgage servicers do NOT charge late/ " processing '' fees unless you fail to pay by XX/XX/XXXX. I called them to complain. They told me that if I set up automatic bill payment, they would not charge {$25.00}. This, I always feel, is an invasion of privacy when forcibly coerced to do it ( i.e. do this, or we 're charging you extra fees ). I asked why they were doing this. I always pay by the XXXX of the month, as with all monthly. they said it 's because they outsourced the payment processor so they have to charge me the fee. Is n't US Bank Home Mortgage getting a serving fee anyway from Fannie/Freddie which entails part of my interest paid? SECOND complaint : this month they changed their online login to their standard banking login ( mortgage banking used to be separate ). Now, when I log in, ALL I can see is my balance. No access to my loan start/end dates, amortization schedules, anything else. You have to call them to gather this detail. This severely limits my ability to strategically plan my finances. I 'm concerned about the ethics of this firm. They do n't seem to care about the end user. They just want to make money. And now I ca n't trust them in correctly calculating my monthly payments / amortization since it 's no longer transparently provided.
Product: Credit reporting or other personal consumer reports

Since XXXX i been a victim of identity theft, since that time I have been receiving U.S. mail and phone calls regarding accounts being opened in my name. In XXXX I filed an identity theft report with the police department. On XX/XX/XXXX I became aware of a fraudulent account that appeared on my credit report with the name of XXXX XXXX  account number XXXX and realized that I had never applied for such an account so I filed an FTC report with the Federal Trade Commission, I filed an identity theft affidavit with the XXXX XXXX police department and filed Legal notices to cease and desist their activities and remove the fraudulent account from my credit report. I sent them everything required by law to remove the fraudulent account. My Drivers license and social security card with my current utility bill to validate my identity. I sent them a valid identity theft report from the FTC and police department which XXXX XXXX, XXXX, and TransUnion denied and claimed to be fake or invalid reports. I have submitted more than enough supporting documents to support my request.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

My complaint is about Axos Invest ( previously XXXX ) which is a robo-trader / savings account that invests my money into primarily domestic stocks. I have been unable to withdraw money from my account since before XX/XX/XXXX. 

On XX/XX/XXXX, I decided to call customer support as I was unable to withdraw money with the mobile app. I got a response from " XXXX '' saying that they were having an " IT issue '' that would hopefully be resolved that day. Since then, I have had multiple email correspondence with Axos Invest where the only answer I receive is that they are having " IT issues '' and are unable to do anything for me. 

From my position, I have been unable to access my account for nearly 2 weeks. This has caused me financial loss, as I am still unable to access the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to obtain credit file from XXXX and they have denied me access to my free annual credit department
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of 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. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received notification that a collection was placed on my account. The company is Midwest Recovery System. It seems they are collecting for a company called XXXX XXXX XXXX. Prior to this, I havent received any notification either through mail or phone call. 

I disputed the information via XXXX  and it came back verified. I have not been contacted by this company. 

I learned through a search that several other complaints on this company doing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize having any agreement with vance and huffman llc and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with vance and huffman .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
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. 

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, all have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Money transfer, virtual currency, or money service

I was tricked into joining a blessing loom, which at first that was recommended to me by friends, I thought would be a good idea, it seemed very legitimate and my friends had supposedly made back their money. I was then asked to pay XXXX $ to join on XX/XX/2020. The idea which was not thoroughly explained to me until after the XXXX $ paid, was to convince others to also deposit XXXX , and when 8 people were joined, we'd move closer into the " circle '' allowing us to then receive money. I was not aware of this. I later researched this type of money making and learned that it was a pyramid scheme! I soon started seeing news articles on how they trick you into this and that it could be illegal. So I asked for my money back to opt out of the circle, showed the other " members '' who would also request their money back. The person in charge, XXXX XXXX, said he would give us our money back, of course after heavily pressuring us to stay, he said he would return our money, but instead has not responded to the group chat using an app I never heard of called XXXX. So I thought instead I could use the app I paid him with to get my money back, the app being Zelle, that I believed would have fraud protection, but they do not, even though they are supported through my bank, they do not have consumer protection. My bank said over the phone I needed to contact Zelle, and Zelle simply said that there was no fraud protection because it's designed for " friends and family '' which was not made aware to me or anywhere on the transaction throught the XXXX XXXX XXXX  XXXX. So alas I am here now to see if anything can be done, after 2 days I am left without my XXXX XXXX and without any help or contact, and a man I didn't know who seemed trustworthy with my money, and my friends who didn't know what they were getting into either and tricked in to this, also without their money.
Product: Debt collection

On  XX/XX/2017,  i received a call from a representative from  BAS Management  by the name of  XXXX   employee  ID :  XXXX  from telephone number  XXXX   XXXX   XXXX  at  XXXX  attempting to collect an alleged debt. I never received a dunning letter. I took the information, and proceeded to send them a letter requesting validation of the alleged debt. I then received a letter from them dated   XXXX     stating that i have n't made any payments on the account, therefore they will report it to the credit reporting agencies and completely ignored my validation letter. I personally contacted the alleged creditor and was informed that i do not owe the company and i have a receipt stating that i owe them {$0.00}. I sent them a letter again requesting that they validate the alleged debt again on   XXXX    .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, Dept of Ed/XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Mortgage

Submitted complaint # XXXX to which I have a response from XXXX XXXX in the Compliance department stating that the XXXX and XXXX payments would be corrected to show they were not late ( they were changed in error by New Rez XXXX, it also stated that the XXXX, 2019 payment would also be corrected as this was an error with the account number. XXXX stated in the letter to give it a few days for CRA 's to update and I have done that. This is now XX/XX/XXXX and the still are not showing corrected. There was no E-Oscar number given in the letter to show it was done electronically XXXX would take 72 hours to update CRA 's ) I have called XXXX XXXX multiple times with no response and emailed XXXX XXXX XXXX multiple time again with no response. I have called customer service multiple times and they can not see what compliance has done nor the letter that was sent, so they have not been able to help. 

My house is going to be selling and currently I have no home or apartment to go into because of this situation. Please correct the CRA 's and send the E-Oscar number to get my credit corrected.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX