23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have two separate issues related to Citibank : First, I was charged an expedited card fee when I requested a replacement card, despite the fact that I did not request an expedited card and I was assured by two different Citibank agents that I would not be charged this fee. Second, when I requested the replacement card, I was first sent a card that had the former account number listed, which was to a closed account, was then sent the expedited card for which I was charged the fee described above, and finally, I was sent a third card that matched in account number and CVV number, causing me concern because I did not request two cards. 

-- Issue 1 -- Around the beginning of XX/XX/2018, I realized that I had misplaced my Citibank Double Cash credit card. I called into Citibank to request a replacement card and to update my mailing address since I have recently changed addresses. After speaking with a representative, I was told that they would be closing the account of the lost card for security and would be opening a new account with a new card number and would be expediting a new card to me overnight. The agent informed me that there would be no fee for the expedited card. When I received the card the following day, I attempted to activate the card, but learned through the activation website that this card was to the closed account. It appeared that Citibank had issued a new card for the closed account. 

Later that day, or perhaps the next day, I called Citibank again to inform them of this error and request a card for the open account. I spoke with another representative who apologized for the inconvenience and offered to issue me the correct card, again ensuring me that no fee would be charged for the expedited mailing. 

Upon logging into my account today, I was charged {$6.00} for and Expedited Card Service Charge. I requested that this amount be refunded by contacting Citibank via their webchat. After informing the agent that I would be submitting a complaint to the CFPB, I was told that I would be receiving a credit for {$10.00} to cover the fee. As of the time I am writing this complaint, my account has not been credited. 

-- Issue 2 -- After receiving the expedited card around 10 days ago for the open account as described above, I activated that card and have been able to use it. However, I received in the mail today a second card with identical account and CVV numbers. I did not request a second card. 

This causes me concern because I have been exposed to unnecessary risk by having an additional card in existence that I was not aware of. Additionally, I am concerned that Citibank may have created and mailed more than these two cards and there may be a card in existence that I do not have in my possession and that I am not aware of. Because the account and CVV numbers are identical, for all intents and purposes, this card was mailed as a active and usable card. This represents a very serious security issue as it may have been stolen or otherwise intercepted and would have been usable by anyone.
Product: Credit reporting or other personal consumer reports

My XXXX, it was breached a line across multiple platforms and Ive tried to dispute multiple things on all three credit reports, and they tell me that they are not going to delete any of my information and due to the law 15 usc1681 rights to privacy. These things are not mine. I have disputed and disputed and nothing comes of it. I need these items deleted off my credit report. There are multiple credit inquiries not mine and charge offs and what not. We need to take care of this asap please. Thank you.
Product: Debt collection

XX/XX/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated XX/XX/2019 from a collection agency by the name of XXXX XXXX , XXXX XXXX 

This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. 
The charges are fraudulent, and they are claiming that I owe a company by the name of USI Solutions , Inc. {$8000.00}. 

They have also listed another company by the name of XXXX XXXX Bank as the supposed Original Creditor. 

I want to report this collection agency, as well as its cohorts for trying to defraud me. I have never done business with these companies and this debt is a scam. 

This company is slandering my credit as well as my name, and I want any collection account, or any derogatory information that they have placed on my credit files removed immediately, and I want hard copy proof on their letter head that, that has been done, as well as I want written proof that this fraudulent collection account has been permanently removed from their companies files. 

I also want XXXX XXXX, XXXX, and it cohorts, to cease and desist from contacting me ever again with their fraudulent made up collection accounts. 

I looked up this USI Solutions Inc. and it appears that they and XXXX are working together to go after consumers with claims for fraudulent debts that they are creating, and the consumers do not owe, they are trying to get consumers to pay them for fraudulent debts. 

( Copy of collection letter has been uploaded for the CFPB to review )
Product: Money transfer, virtual currency, or money service

I requested a payout in the amount of {$2300.00} from this company on XXXX XXXX, XXXX at XXXX XXXX. The payout method was via Wire Withdrawal to my bank account, which charged me XXXX due to the expedited nature of a 'wire ' withdrawal. It had a guaranteed delivery date of XXXX/XXXX/XXXX. After having not received the funds on XXXX, I contacted them, and they briefly replied that they were working on it. As XXXX time was nearing, I sent them several follow up e-mails and failed phone attempts ( Customer support telephone line is almost impossible to get ahold of, and they claim they do not honor withdrawal issues via phone, only site login difficulties ),  and received no replies. This money was intended for XXXX, rent, and a number of other bills that were due. I relied on this company to pay me out in the timeframe that was promised.. it is now 15 days past my withdrawal date, and 12 days past the expected delivery date, and I have not received a penny to my bank, or any valid e-mail responses indicating when my money will show up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference to complaint # XXXX, XXXX Consumer solutions ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX  or court, but they continue to delay or ignore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX  XXXX credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. XXXX XXXX agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX XXXX XXXX has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like XXXX XXXX to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Nevada XXXX XXXX XXXX the dates I attended the college was XX/XX/XXXX until XX/XX/XXXX I received my XXXX XXXX of Applied XXXX on XXXX XXXX XXXX filled for bankruptcy I continued to educate my self I then entered and secondary program wich was the business program from XXXX XXXX until XXXX XXXX there was no eddtional degree sent to my self on my transcripts it stated and XXXX XXXX of Applied XXXX in XXXX wich I never received.However I was over charged for the XXXX program the cost was additional XXXX I was charged XXXX for the program the business program was and total of XXXX I was charge XXXX instead. this has casused me to be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting XXXX XXXX to remove my HELOC was part of my chapter XXXX filed back in in XX/XX/XXXX. I tried numerous times to rectify this w/the credit bureaus.The loan was transferred to XXXX XXXX XXXX and paid in full back in XX/XX/XXXX. I want the incorrect reporting removed from my credit reports - all 3 major bureaus and I would like proof that it has been done.
Product: Vehicle loan or lease

This is same case ..from the previous compliant against Wells Fargo Auto Finance , the case nbr is XXXX. I got payment reports and letter from Wells Fargo ... same company, this is unresolved. There is no signature of the agreement to the 8 % interest rate since the banker offered me to refinance my truck for 6 % interest rate. I will have to check e mail from him. I will try to dig through my old e mail to find his e mail on the 6 % agreement. It is NOT 8 % I am to pay so technically, my truck is paid off and there is overpayments. I also will have to go to my storage in Texas soon to get the copies of the papers I signed. Wells Fargo shows you the forms with NO SIGNATURE of mine. So theirs is invalid. 
This will be UNRESOLVED until I get the proofs. Wells Fargo is known to rip off a lot of XXXX including deaf people. On FB when I mentioned of the Wells Fargo bank, a lot of people replied their hatred toward Wells Fargo. I am not surprised. It happened to me now ... tsk tsk
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment 15 U.S.C 1681 SECTION 602 A. States I have a 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 instruction. The following accounts are included : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report the wrong name on my credit report as well as wrong address. I have submitted two forms of identification as well as a paystub that shows my proper name and address. My name has not changed and has been my name for my entire life. I have a joint last name.
Product: Credit reporting

I have disputed a XXXX inquiry with Equifax several times including a clearance letter from XXXX and they still will not remove the inquiry.
Product: Credit card or prepaid card

I always paid my card on time and my credit limit was decreased. I was never late on payments. I received a letter stating that my credit limit was decreased from {$4000.00} to {$2500.00}. This also severely impacted my credit score. 

This was with Barclay ( XXXX XXXX XXXX ) XXXX
Product: Debt collection

I DO NOT OWE THIS DEBT. IT WAS INCLUDED IN MY BANKRUPTCY WHICH WAS ALREADY DISCHARGED. ATTACHED, YOU WILL FIND A COPY OF MY BANKRUPTCY DISCHARGE LETTER. I ALSO ATTACHED PROOF OF A CERTIFIED LETTER I SENT TO BC SERVICES.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I was appalled to discover multiple inaccuracies, unverifiable items, and unauthorized inquiries. These errors have caused me significant distress and are in direct violation of federal law, specifically 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report. I remind you that under 15 U.S. Code 1681i ( 5 ), any information that can not be verified or is found to be inaccurate must be promptly deleted or corrected. Failure to comply with these legal requirements is unacceptable and will not be tolerated. 

The following items are in dispute and must be addressed immediately : XXXX XXXX XXXX - XXXX - This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day and 60-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX XXXXXX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX - XX/XX/XXXX - The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!
Product: Mortgage

When my wife and I first entered into mortgage loan with HSBC, they guaranteed that we could review and get better rate when available. We had some issues with payments early on but for past 16 months have been timely on our payments and in accordance with their requested cashier payment and monthly payment thereafter. It has been almost 2 years, and they refuse to correct late or overdue fees and will not redo our loan at a competitive rate based on todays mortgage 's. In addition, since they will not correct their records concerning late fees, our credit report with all XXXX agencies have prevented other options to get a new loan elsewhere. The HSBC/HFC local office closed down right after we got our loan and we can not get anyone via XXXX # to understand and tell us what needs to be done to get this mortgage corrected and position for new loan at less than their current XXXX % loan. We have documentation concerning payments and requests to correct issues. Attaching original cashier payment request and following payment. We have current documentation for all payments since the XXXX/XXXX/2013 Notice to Cure Request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX ... XXXX : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL, XXXX Social Security # XXXX
Product: Debt collection

Company claims to be named XXXX XXXX XXXX and also says that they are direct validation services. Their phone number is XXXX. 

Company called and said that I had documentation and documents that were unable to be delivered to me and were requesting information from me to deliver said documents. Then they told me that this is from a debt that is over 6 years old and it's from 2016 for a credit card, XXXX XXXX or something to that effect. They told me that they had advised their client to shoot me is there client to shoe me for the amount of {$2600.00}. The debt is way beyond the statute of limitations of 5 years in Florida. I advise them of such and they told me that they would contact me via the court system and that I would have to pay over {$2800.00} in legal fees, {$2600.00} in a judgment, and other fees if I wanted to clear this from my name. They also advised me that I could be arrested at any time for this debt. They Gave me a file number of XXXX.
Product: Debt collection

after move out we paid all requirments with a XXXX balance saw a collection account on my credit report but was never notified via email or phone call i am not liable for this dedt with XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract with Fair Collections & Outsourcings , Inc. they did not provided me with the original contract as requested.
Product: Vehicle loan or lease

Had gotten a personal loan with Wells Fargo XXXX XXXX. Illegal charges ( forced insurance ) were added to my loan over the course of the years that they vehicle was being financed along with another account they had opened without my knowledge. There was a lawsuit against them that had neem filed and they were forced to reimburse all customers that were affected. 
They now owe me a checked in the amount of {$5400.00}. They said it was issued but I never received it. I've called on SEVERAL occasions inquiring. When I made the initial call in XXXX XXXX, XXXX I was told it would be 30 - 45 days. I've been getting nothing but the run around. They continue to say that there is not update. 
I need help!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information New Wave Card / Web Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXXXXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).