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

Events in chronological order : ( 1 ) I applied for a citibank credit card " Citi / AAdvantage Platinum Select card '' on XX/XX/2019, I was notified that the application was approved no later than XX/XX/2019. 

( 2 ) There is another email saying that I should expect the new card by XX/XX/2019. 

( 3 ) However I did not receive the card even on XX/XX/2019. Then I contacted customer support online ( live chat ) to ask Citi to resend the new card. The agent said that the card will arrive in 7-10 days. 

( 4 ) Now today on XX/XX/2019 which is 12 days after the chat I still did not get my new card and I have to call customer support again to ask what happened and how to resolve the issue ( 5 ) After the agent verified all the information and about to place the order to resend the card she said " sorry verification blocked because the account is of high fraudulent risk ''. I think it's really ridiculous and I don't trust the agent 's capability to resolve this issue promptly or smoothly so I am complaining to CFPB about the case. 

What I am complaining for : ( 1 ) It has been almost 1 month after the application is approved I am still far from receiving the actual credit card. 

( 2 ) I contacted Citibank several times but they failed to process the resending order. 

( 3 ) The agent said that it's because the address on my profile does not have apartment number. However I checked it again and again, my apartment IS on the profile. I did double check triple check. The agent changed her word after hearing this. 

( 4 ) The same thing happened to me more than once. Another very important communication from Citibank, which has a {$300.00} check was also not delivered to my address. 

( 5 ) I really don't understand that why my account was flagged as " high risk of fraudulent ''. I don't even received my card!!! If that's the reason. This risk is totally brought by Citibank. Think about it, I applied for a new card. It never arrives. I contacted Citibank but they said oh sorry we can't send you the card because of high risk. Isn't this thing totally ridiculous???? Ask yourself.
Product: Mortgage

On XX/XX/XXXX, I received an Escrow Analysis from Bank of America informing me that there was an overage in my escrow account. The letter stated that a check in the amount indicated within the letter would be mailed to me within XXXX business days. On XX/XX/XXXX, I contacted the bank to inquire what happened to the check. The bank rep did not know. I called back on XX/XX/XXXX. XXXX and the bank rep told me the check was sent to an address I lived at some 15 years ago. I asked the bank rep how this could happen if I did not call them to change the address. The bank rep did not know. I called again on XX/XX/XXXX, to find out why this continues to happen where someone is illegally accessing my account and making random changes. To date, I have not received a response. The only other person on the NOTE is XXXX XXXX. He relinquished all rights to the property via XXXX XXXX XXXX in XXXX. This same situation happened in XXXX and XXXX, there seems to be a pattern of every other year. Making the situation more concerning is I do not have access to an online account. When I request an online account, I am told that instructions will be mailed. Once the instructions arrive, they are addressed to XXXX XXXX, despite the mortgage statements coming in both our names. When I wrote to Consumer Financial Protection Bureau in XXXX, the Bank of America told you and me by way of letter that I may have been the victim of fraud. Obviously, this is not true and it is Bank of America that is committing the fraud.
Product: Student loan

I am writing this formal complaint as I have asked FedLoan Servicing to review my case to include past payments made under the income based repayment plan. I made several payments listed in the attachment to my lender from XXXX XXXX. None of my payments are being counted toward my loan forgiveness even though I had the same employer under which 4 payments with the lender XXXX XXXX are being counted toward my forgiveness. After XXXX XXXX, my loans were sent to FedLoan Servicing. I submitted the payments from XXXX for review 4 times and though I was making payments under the income based repayment at my qualifying institution, they refuse to count them. They specifically asked me to show proof of the payments by downloading the payments from the website at XXXX and submitting them to FedLoan Servicing. I have done this several times. I would like to submit a complaint of dishonestly and fraudulent claims by FedLoan Servicing.
Product: Debt collection

In accordance with Fair Credit Reporting act. The account listed below Westlake portfolio XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C 1681 section 602 A. States I have 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. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 3rd attempt to advise you of your consumer violations against me. Ive reviewed your response in connection with my prior dispute and your response reflects that you will continue to violate my consumer rights by reporting my balance, credit usage, and late payments to the 3 consumer report agencies. This excerpt is from the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681a ( d ) ( 2 ), which defines exclusions from the term " consumer report. '' Summary of the Exclusion : Specifically, under subsection ( A ) ( i ), a report that contains only information about transactions or experiences between the consumer and the person making the report is not considered a " consumer report. '' Im attempting to inform you of your violations, so youre able to make the corrections Im presenting to you. If you choose to continue your violations, then you are willingly and knowingly breaking the law to bear on my credit worthiness.
Product: Mortgage

I HAVE BEEN ATTEMPTING TO SELL MY PROPERTY AND MY AGENT HAS BEEN SPEAKING WITH THEM AND THEY INITIALLY HAD STATED THAT THEY WOULD POSTPONE THE SALE DATE BECAUSE WE HAD A SOLID OFFER. TODAY WHEN MY AGENT SPOKE WITH THEM, A XXXX ADVISED HIM THAT THEY ARE NOT GOING TO POSTPONE THE SALE AFTER ALL. HOW CAN THIS HAPPEN? I WANT TO AVOID FORECLOSURE AT ALL COSTS. THEY WERE WORKING WITH ME IN THE BEGINNING AND NOW THEY ARE NOT WILLING TO. I AM HOPING THAT YOU CAN HELP ME STOP IT. THE SALE DATE IS SCHEDULED FOR MONDAY XXXX XXXX. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Account Name : XXXX XXXX XXXX  Account XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 
Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the credit report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and I saw some hard inquiries that did nor have PERMISSIBLE PURPOSE. I also attached evidence. 

Lists of unauthorized inquiries that dont have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in several letters to XXXX equifax and XXXX  and they are not reporting in a timely mannor. or removing ir responding back to me
Product: Credit reporting or other personal consumer reports

I previously filed a complaint against Roundpoint Mortgages, they did not send proper communication about our loan transfer and caused us to miss XXXX payments which prevented us from qualifying for a loan to purchase a home. The letters they sent were never delivered to us and were returned to the sender. They are not taking any responsibility because we were mailed a letter from our previous servicer, which was mistaken for a bank statement. It's challenging to pay your loan when you don't know who owns it. I understand, I should have checked my payments more closely and I am at fault for that, but when you have XXXX business/jobs, XXXX plus bank accounts and multiple transactions happening every month, it can easy to over look a couple XXXX dollars. 

Their response said we asked to remove any negative credit reporting from the account. We asked to remove only 60 days so we could qualify for a loan. They can keep the 30 day late payment. 

A business with good customer service would have done more to make sure their clients received important information such as " being late XXXX months on your mortgage. '' No voicemails, no emails, they didn't call both numbers on file, their numbers showed up as spam which they acknowledged but still decided to not leave a voicemail. Instead we receive responses such as, Their response " We can't make courtesy changes. '' There simply is no customer service or customer appreciation. It would take a week to get a response from anyone, there are no direct numbers or emails for people to reach out to. We are a brand new client and they did absolutely nothing to welcome us and now our perfect credit is ruined for an entire year and we are out thousands of dollars on a contract we had to walk away from.
Product: Credit card

I XXXX XXXX XXXX always paid on time and had a XXXX balance with capital one XXXX 
I got XXXX XXXX  on XX/XX/ and at that time my wallet went missing plus tablet. I called Capital One and all my other accounts from XXXX phone that's recorded and informed them including capital one that my identity was stolen and all my accounts were being used. Capital One told me they would investigate the issue. I even made a small payment bc my credit report is valuable to me. So I can prove I was detained/incarcerated while these unauthorized charges were made but capital one and every other credit company still reported delinquent payments and closed my account/ accounts. Capital One is slandering my credit report and credit score which is against the Fair credit reporting act. I filed a dispute with XXXX and in less then 48 hours their investigation was done and kept reporting that my capital one account was delinquent which is false. I always paid on time and had a XXXX balance and that the truth is what should be reported to all 3 credit bureaus and if it's not fixed as soon as possible I will be filing a lawsuit
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Debt collection

When I was doing my routine bank reconciliation with my bank account, I noticed that there were several checks that was cleared by my bank that is a complete fraud ( the check itself ) and forged ( signature of my wife ). What I did is to contact my bank and have these checks dishonored due to fraud. I completed some paper works that the bank asked me to do. Several days later, I received a collection letter from Payliance ( Collections Acquisition Company , Inc. ) collecting money. It was sent to my address. A copy of the check was even included in the letter. What is absurd is that a certain XXXX XXXX XXXX XXXX   name is printed on the check, together with my name as well as my wife 's name. I called up Payliance several times and what I always get into is to wait, and after a long wait, I will be prompted to leave a message. How can I get this cleared when this is the kind of service I get from this Payliance. I have nobody to talk to.
Product: Money transfer, virtual currency, or money service

Chase XXXX not authorizing who sends and receives payments and have no options of refunds.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw inaccurate accounts on my credit report this morning. Im at a loss as to how they even got there. I do my regular checks, and today, out of nowhere, there were discrepancies that just dont make sense. I even refreshed my browser, hoping it was a glitch, but the errors didnt go away. Im really frustrated by this and just want to ensure the documents Ive sent are carefully reviewed so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my XXXX credit report and noticed a repossession from a company called Credit Acceptance, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it
Product: Credit reporting or other personal consumer reports

I have spoken to a rep from this bank in regard to my payment history and reporting on my credit report incorrectly. They have advised me that their system automatically generates the report, and they don't control or report late payments. I have also sent proof to all three credit reporting agencies that they are reporting inaccurate information and unfortunately, they have not corrected the information or delete. All three CRA 's are reporting incorrectly and will not correct the information.15 U.S. Code 1681i - Procedure in case of disputed accuracy : ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We HAVE request multiple times for the " description of reinvestigation procedure '' and not only did they not respond within 15 days, experian just completely ignored us. If they actually investigated they would see that it has been 7 ears since our very first payment that was delinquent. EXPERIAN simply wants to keep it on our credit report so they can collect more reporting premiums ... very sad Accounts in question are : 1.XXXX - It is 7 years since the 1st date of deliqeuncy Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX