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

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

CC : Consumer Financial Protection
Product: Checking or savings account

I checked my account and noticed a fraudulent transfer and immediately notified my bank ( AXOS BANK ) and it took them over two weeks almost 3 weeks to tell me that " no error has occurred '' and that they are denying my claim and not even letting me appeal their decision. I am not sure what's going on but they have also lied and made up things that I have not said quoting that I told them that the other bank which my money was transferred to was going to refund me which I never ever said!!!!! It seems like they are not trying to resolve my case or look into it whatsoever and they are just trying to keep the money that was stolen from me which I do not understand. At this point AXOS BANK is just as bad as the criminals and thieves that steal money from other hard-working people. I have asked over three times to speak to a supervisor or manager and nobody has once bothered to even call me and each time I call they tell me no supervisor is available which is complete XXXX!! Customer service is literally non-existent and they act like me losing my {$350.00} is very normal which to me is kind of odd because I thought your bank was supposed to try to protect your money... not let people steal it and then tell you there's nothing wrong with that at all! I would highly suggest to stay away from this Bank unless you want them to rob you and smile in your face or let someone else rob you. I will be filing a police report against the bank itself and also about the fraudulent transfer. I am beyond DISGUSTED with this bank and I don't believe there is a worse financial institution out there!! Please never leave EVEN A XXXX of your money with this Bank unless you like having your money taken from you!! SHAME ON YOU AXOS BANK..SHAME ON YOU!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX  XXXX ; Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00}.
Product: Debt collection

I am filing a dispute because the information on this account is not accurate. The debt on this account has been settled and the balance on this account is {$0.00}. I have proof from the collection agency that this debt has been settled.
Product: Debt collection

Account # XXXX To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card

Citibank charged me a {$450.00} fee for an annual fee. I sent a note to cancel the account via mail response. I was still contacted about owing the fee in XX/XX/2016. I cancelled the account at that time and was told the fee was removed. The credit card fee offers airport lounge access that I utilized for the initial {$450.00} fee but chose not to utilize again in 2016. I have not used the lounge access again in XX/XX/2016 since XX/XX/XXXX. And then I was told in XX/XX/XXXX that there would be no issue cancelling the charge due to lack of usage and desire not to move forward with the card. However, I was contacted this week numerous times by Citibank to be told that I still owe the full {$450.00} fee even though the card was cancelled only XXXX months after the charge was filed and Citibank originally told me the fee would be waived due to lack of usage and desire to utilize their service.
Product: Mortgage

I switched to XXXX XXXX  for both my home and auto, and Rushmore Servicing, my current mortgage company, did not send Escrow payment and my insurance was almost cancelled. I had to spend hours on the phone with XXXX to have them fix my policy. I then reached out to Rushmore Servicing to have them make escrow payment to XXXX. They confirmed eveyrthing was taken care of and all set but I did not receive any proof or official confirmation of this via email after I requested it. 

XXXX has reached out to me once again stating they still have not received Escrow payment and my policy is once again in jeopardy of being cancelled. Yet, I am making full monthly payments to Rushmore Servicing and I am current with my mortgage payments. I am not confident that this will be resolved and these issues will continue.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 604 A section states I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A. creditor may not treat payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX I received two emails from Wells Fargo stating I had a $ XXXX balance in two accounts ( savings and checking ). A call was made and it was determined the accounts had been fraudulently opened just the day before ( XX/XX/XXXX ). A case was created. 

Coincidentally on XX/XX/XXXX a PIN number was created with the XXXX XXXX XXXX for unemployment benefits. 
( Note : in XXXX I did have benefits automatically submitted to an account at Wells Fargo ). 

Coincidentally in XX/XX/XXXX I was working feverishly with Wells Fargo to get an existing Roth IRA converted, which required a lot of paperwork that they should have already had. 

Wells Fargo never reached out to me after the initial call on XX/XX/XXXX. I made many phone calls and visited my local branch. ( The phone calls offered no relief. The visit is when I learned the fraud was committed on online. ) During a call on XX/XX/XXXX the Wells Fargo Identify Theft Operations member told me my social security number was used on the online application. He would not supply me with a copy of the application. Also during this call those two accounts were erased from my view online. On or about XX/XX/XXXX, I get a letter dated XXXX ( coincident? ) that the identify theft claim is complete and I am not liable... period. That useless letter took 6 weeks and an abundance of stress. 

I have submitted claims to many organizations including the XXXX, but have received no feedback. I am not out of any funds thank goodness, but the lack of interest at Wells Fargo is not acceptable. Personally I don't think the above is really a coincidence. All 3 credit bureaus have been contacted and I have not seen any other suspicious activity.
Product: Credit card

I was reviewing my financial records from XXXX and noticed a {$99.00} annual fee on my Citibank card ending in XXXX. I had thought I closed this account in XXXX and have not used it since nor do I even have this card in my possesion I requested Citi to refund the fee and verify the account was closed. They refused to refund the fee stating the account was open. They then insisted they send me a text message to close the account. I was calling from my work phone and did not have access to my messages. The manager Tan refused to close the account and stated I would be responsible for my annual fee again if I did not call back and go through their protocols to close the account. I believe I went through a similiar process when previously trying to close this account. I was on the phone for over 20 minutes trying to close this account. Citi does this on purpose to keep dormant accounts open and charge exorbitant fees.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan

I 'm not sure which above complaint to file under. I 'm getting calls from a company named Ruben & Yates trying to collect a loan for a company called XXXX. the persons name is XXXX XXXX and he states i took out a loan and owe {$1100.00}. He stated that they 've sent me letters but going through my records I bave no letters from them. I have no information to contact them from besides a phone number. I reqquested him to remove XXXX phone numbers that I ca n't be reached at and also requested to be sent a copy by email and mail of what the debt is and what it pertains to. When I requested to have those things he got upset and hung up on me.
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX {$530.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Provided my letter 9 months ago that this account does not belong to me. 

and SECURITY CREDIT SERVIC Original creditor : XXXX XXXX {$2000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX referred me to XXXX XXXX Tel : XXXX on XXXX XXXXXXXX XXXX XXXXXXXX XXXX I contacted this collection agency and was informed that they have received my letter and report that this debt was fraudulent some 9 months ago but every time I demand that they remove it from my report they state that they can not talk to me unless I cancel my dispute. When I report it to the credit agencies, XXXX XXXX and Security Credit confirm that the accounts belong to me despite having my letter that these amount do not belong to me. 

and
Product: Debt collection

I explain to XXXX to remove a debt that was a charge off that was a bad debt by the name of west lake management in CA. It is illegal to report a bad debt in a consumer report, I had write the company a letter about removing it from my credit report and they refuse to remove it.
Product: Debt collection

these collector they have been using bad tactics, ant on top trying to intimidate me, and also they have been REAGING those accounts, some time ago almost loss my job because they were even insulting the secretaries, I want to get off of this the only thing they trying to do is TO RUIN my life, it is very sad.
Product: Credit card

Someone opened a Target store card in my name. I dont shop at the store let alone want a store card from them but got a call and a Hard inquiry on my credit regarding a card i never signed up for ( Identity theft )
Product: Credit reporting

I, XXXX XXXX AND XXXX XXXX, HAVE DISPUTED OUR XXXX CREDIT REPORTS MANY TIMES, WITH LANDLORD TAKING US TO COURT, OBTAINING A JUDGEMENT, COURT CASE XXXX AND NON SUITING, XXXX COURT CASE XXXX SHOWING THEM THEY DIDNT SIGN THE LEASE, PURSUANT TO XXXX CREDIT FILE NUMBERS MENTIONED ABOVE THEY WERE NOT REPORTING, TURNING DEBT OVER TO EQUIDATA, WHOSE ACCOUNT # IS NOT MATCHING XXXX CREDIT FILES, AFTER DISPUTING DEBT AGAIN, CERTIFIED MAIL ON XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) ON XX/XX/XXXX XXXX CREDIT FILE # XXXX EQUIDATA SAID THE DEBT WAS PAID IN FULL ON XX/XX/XXXX A NOTICE OF SATISFACTION WAS GIVEN FOR DEBT, DATED BEFORE WE MOVED IN, XXXX CREDIT CONFIRMATION # XXXX ( XXXX XXXX, AND XXXX CONFIRMS THE JUDGEMENT WAS PAID ON XX/XX/XXXX WHILE EQUIDATA CONTINUES TO SAY WE OWE DEBT, SENDING A XXXX CERTIFIED LETTER ( XXXX XXXX XXXX XXXX XXXX ) TO XXXX, SHOWING THEM THEY NEVER SIGNED LEASE!!! 
OUR ADDRESS IS XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

This grumbling to COLUMBIA DEBT RECOVERY was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was supposed to delete any negative information on my credit reports with all 3 bureaus once the loans were brought to positive status with XXXX XXXX XXXX. The student loans were fully paid off in XXXX of XXXX with XXXX XXXX XXXX XXXX, the company my loans were transferred to. The negative reporting was successfully deleted from my XXXX and XXXX credit reports but for some reason is still showing on my Equifax Credit Report. I need the negative reporting from XXXX deleted off of my Equifax credit report. This inaccurate information is hurting my credit score with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I went into a bank to open a checking account and after opening the checking account i inquired about a load. They recommend to me a sba microloan. I say down with the loan officer. The loan officer proceeded to fill out the application and ask me a few questions to complete the loan application. I had asked if a bankruptcy over 2 years old was an automatic denial they replied no. So i signed my name to it without reviewing what the officer entered. They said the application would be immediately submitted that day and I would have a response by XXXX the following day. Around XXXX the next day they called me and asked me to sign another spot on the loan of that was transmitted to me thru email. I did and emailed back to them that night. The next day and they said I was denied because of the bankruptcy verbally over the phone. I went to the SBA website to review conditions to qualify for a microloan and to my understanding discharged bankruptcy over 2 years was not grounds for disqualification and also saw than my fico score was within guidelines. The next day I went in with tax records and bank statements to submit and ask for reconsideration and offered collerterial to cover the difference of the SBA guarantee so that they would be secured 100 percent of the loan. I waited till an officer was available to plea my case and during that the branch manager introduced herself to me very loudly and said there is no reconsideration and our voices escalated to where everyone in the bank could hear. I was afraid that she may call the police on me so I exited the building. When i got into my vehicle she was standing outside watching me. I guess she had followed me. I called TD bank customer service to talk to a business account manager and explained what had just happened without naming names or branch location. He assured me that someone would contact me to hear my request for reconsideration. They never called back. I did get a call through from the manager who threw me out to apologize for her behavior. When I received the decline letter i was bankruptcy but after researching sba loans it is my understanding that the SBA also has to provide an adverse action letter as well which I never received. My complaint is I don't know if the application was filled out properly having the right information on it i signed. The behavior of the bank manager. The reason for adverse action that was not supplied to me from SBA and not being able to plea my reconsideration. The bank representative was bank manager XXXX at the XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$3900.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user.
Product: Mortgage

I have a Heloc with XXXX balance that I am trying to close. I went into the bank on XX/XX/XXXX, paid a {$310.00} early closing fees and asked the Heloc be closed. I needed the Heloc closed as I am selling my home and planning to close on XX/XX/XXXX. The title compnay asked me to close the Heloc to and send them proof. 

Low and behold, when I look on the web page on XXXX the Heloc was not only still active, but now had a balance on {$310.00}. I went to the bank find out what was going on. They apologized and said due to an error on their side it had not been closed but they will fix it and get back to me. 

I have just looked today and I see my Heloc is still not been closed. 

I can not delay closing on my house as I am scheduled to travel on XX/XX/XXXX and have spent many thousands of dollars on plane tickets and bookings. 

Please help.
Product: Debt collection

I noticed that this company had placed an account on my XXXX credit report on XX/XX/2023. I am subscribed to XXXXXXXX XXXX Credit monitoring service, and I was notified that there was a new alert. This account was placed on my report on XX/XX/2023. This is the first time that I had heard of this company and was notified of this debt. I immediately called the number listed on my credit report and I spoke with XXXX. She says that they had sent out a letter to my permanent residence on XX/XX/XXXX, XXXX which was not true. Although I am living in another city while working, I am constantly monitoring my mail at my permanent residence, and I collect my mail one to two days out of the week when I return home. I never received this mail. 
I am working to improve my credit score after facing some difficulties due to the pandemic, If there was ANY type of communication sent to me regarding a bill, I would have responded. This company did not notify me. I sent them a letter stating that they did not notify me, as required by the Fair Debt Collection Practices Act and I asked them to delete this account from my report. I also disputed this account with XXXX, but Vance and Huffman continue to report this account. This is my last resort. If this account is not removed, then I will be forced to seek civil action. This one account dropped my credit score XXXX XXXX. I will not allow this company to affect my credit score to this point, while not following proper procedures as required by the Fair Debt Collection Practices Act.