23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, Citizens Bank  issued our pharmacy business a revolving line of credit for 7 years for the amount of {$120000.00}. In XX/XX/XXXX, the issued as a second line of credit for the amount of {$27000.00} raising the total to {$150000.00}. This second line was never used by us, but it was issued by the bank to act as a safety net. All payments were paid on time every single time over these two years. 

InXX/XX/XXXX we began shopping different banks to acquire a SEPARATE loan for a second business location. Citizens Bank  was one of these locations. We were in contact with a newly appointed loan officer by the name of XXXX XXXX. His official title being the Assistant Vice President of Relationship Management. He reviewed our application for the NEW location, and said he wouldn't be able to do it. 

A few days later we attempted to access our line of credit for our original pharmacy, to pay our drug distributor, but the bank website was down. When we visited the bank branch to get the transfer initiated manually, the manager informed us that our line of credit had been frozen and the current balance had been converted to a term loan. Apparently only the loan officer, XXXX XXXX, could deal with this matter, but she was unable to contact him, as were we because he was intentionally declining our calls. Despite multiple messages from us, and various employees of the bank, we never received any responses. 

According to the bank manager, in order for a change like this to occur with our line of credit, the bank has to issue has a notice 30-60 days ahead of time. In this situation the bank failed to issue any notice whatsoever, and we only found out about this change when we went to make the payment to our distributor. Due to the short notice, we had to scramble and apply for a line of credit with an external loan lender, at an extremely high interest rate that we now have to pay back within the year. 

We project to gross over a million this year, yet the bank with these actions has put our entire business as well as hundreds of patients at risk of not receiving their medication from the pharmacy and pharmacist that they trust. With our numbers, we can get another line of credit elsewhere, but it'll still take a couple of months to secure one. Citizens Bank has been extremely non-compliant in this matter, as they continue to pass this matter on to different members of their company, not giving us any response. In the meantime, we have been forced to consider selling our business, because of the lack of prior of notification. 

Despite us having a perfect record in terms of payments, and everything else, this bank has felt that it is acceptable to yank a line of credit it reviewed only FOUR months ago. As a matter of fact, after the review, the bank felt so confident that it increased our limit. In the past four months, there have been no major changes financially within our business. We simply do not understand how a bank can make such a big change ethically and legally in such a short period of time with NO PRIOR NOTIFICATION WHATSOEVER and put a million dollar business at risk.
Product: Mortgage

MY EX SPOUSE XXXX XXXX XXXX XXXX AND MYSELF OWNED OUR OWN HOME XXXX XXXX XXXX XXXX XXXX OR XXXX AND IN OUR DIVORCE DECREE XXXX XXXX/XXXX/XXXX AND MYSELF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DID NOT DISCLOSE THE SALES FROM OUR MARITAL HOME THAT WAS SUPPOSED TO BE SPLIT IN HALF AFTER LOANS WERE PAID. THE REFINANCE HOME LOAN XXXX OBTAINED FROM HIS EMPLOYER US BANK WHO FIRED HIS WEALTH MANAGEMENT XXXX PENDING INVESTIGATION. XXXX XXXX RULED ON XXXX XXXX XXXX THAT LOAN HE OBTAINED WHILE I WAS IN XXXX, THAT LOAN WAS XXXX TO PAY OFF INSTEAD HE USED HIS EMPLOYER PAID HIMSELF OFF WITH PROCEEDS OF THE HOUSE SALE MOST LIKELY LAUNDERED TO XXXX, DIDNT PAY THE LOAN THROUGH US BANK, CHARGED THE FORGED LOAN SIGNED ON DIFFERENT DATES BY XXXX THE US BANK EMPLOYEE ON RECORD AND MYSELF XXXX SEPARATE DATES AND MY ATTORNEY XXXX XXXX XXXX DID NOTHING TO HELP NEITHER DID HIS THEY LIED AND WITHHELD EVIDENCE TO THE COURTS AND MY LIFE HAS BEEN PUT IN DANGER
Product: Credit card or prepaid card

I have been an american express card holder for decades. I have been making full payments on time al through my history with them. For past few years, the payments are being made via XXXX XXXX  but have had no issues until past few months. This year, I have had two instances where my payments were supposedly received " late '' by one day by American Express. The first time, they reversed the fees and interest charge but this second round they are refusing to refund the interest charged. I have proof of timely delivery of electronic payment from my bank, on the due date, to american express. It was withdrawn from my account two days prior to the due date. American express claims to have received it a day later and charged me interest on the balance and late fee. I have made multiple requests for interest charge refund, American express has not provided any proof of delayed payment receipt. I also find it petty that they are using some possible electronic glitch to leverage it to charge fees and interest rates to customers. How many other customers are being charged interest rates in this manner for payments are that are not " truly '' late?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit file. The reported late payment associated with CAPITAL ONE, account number XXXX, is inaccurate and requires immediate investigation under federal law. 

Pursuant to 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Additionally, under 15 U.S. Code 1666b and 12 CFR 1026.13, consumers have the right to dispute billing errors, including incorrect late payment reporting. As this late payment was reported in error, I request its immediate removal from my credit report.

I demand that if unable to do so or lacking proof of these payments being late. Please update my payment history to PAANL ( Paid as agreed never late ) Please conduct an investigation into this matter and provide written confirmation of the correction. If you are unable to verify the accuracy of this late payment, I request its removal per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Please provide a written response within 30 days, as required by law. If you need further information, feel free to contact me at the details above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX - XXXX XXXX - XXXX {$140.00} XXXX XXXX XXXXXXXX {$230.00} XXXX - XXXX {$1900.00} XXXX - XXXX {$1900.00} XXXX XXXX XXXXXXXX an {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$160.00}
Product: Bank account or service

BBVA closed my existing, in good standing checking account after applying for their credit card product ( and was subsequently approved for a {$20000.00} line of credit ). They based this on information obtained from XXXX, who has XXXX identity theft accounts listed and neither bank will remove them. 

BBVA continues to hold the funds left over in the checking account and they refuse to speak with me and are being extremely hostile and unhelpful. 

During XXXX episode, BBVA performed a forced debit on my account in the amount of {$4800.00} for a deposit item deposited eight ( 8 ) months prior to the forced debit. I satisfied this negative balance with the party that disputed the check based on a disagreement and argument. 

A terrible bank like this with terrible actions should be investigated, fined and possibly receive additional penalties from the US Government.
Product: Mortgage

While in process of a divorce I applied for a mortgage in XX/XX/XXXX with Wells Fargo in XXXX, XXXX a property in XXXX XXXX XXXX, Fl. I began moving in XX/XX/XXXX. I was told by a rep that I was approved for va and/or conventional however, while driving to Fl. and discussing the process I was strung along with other complications i.e. mandatory club fees and underage children on the property. When I arrived for the closing on XX/XX/XXXX I had no mortgage. I signed a promissory note with friends so that we could close. Soon after I re-applied with another mortgage company and had the process all over again ... .documentation, etc. Finally after several months I was approved with an additional down payment. I made about two payments to the new mortgage co. and the received another notice that the mortgage was sold again to XXXX XXXX with payments to be made to non other than Wells Fargo, who turned me down in the first place. Keep in mind that I had to pay appraisal fees twice as well as settlement and other extraneous fees amounting to several thousand dollars. Any recourse, for this was a complete rip off and there should be consumer protection against the companies and their personnel who engage in unethical practices and manipulations?
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Can you please make them remove these account under consumer code 15 USC 1681eb ... According to the IRS canceled debt ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. So since income dose not get reported on your consumer report. A Charge Off is a inaccurate account and it have to be removed. Here are the accounts I am asking to be deleted ... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Capital One closed my account and is holding funds even though they stated in their account closure email that they would release those funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

opened a XXXX credit acct. through/with XXXX XXXX. XXXX credit limit. a series of fraudulent charges were made on the card. tried to reconcile with bank many times over the course of months ... asked them repeatedly to freeze the acct., with no result. finally shredded the card ... four months later i was still getting bills with new charges on the acct. any attempt to deal with them via phone was almost impossible as most of the time i got someone who didn't speak english, or was incredibly rude calling me a deadbeat! i was always polite with them, simply asked for a full accounting of all charges made on the account from day one before i would pay in full yet another time. ( i had done so twice previously ) never received anything except nasty letters or bills. i have a file approx. 2 inches thick letters and bills from them, called dozens of times. not honorable people. i pay my bills.
Product: Credit card

I applied for a XXXX XXXX Citi Visa card and was declined. The reason given foe denial was that Citi was included in a bankruptcy filing. This is incorrect as I have not had any Citi credit cards, either directly with them or a store branded card. I asked for reconsideration and was told the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : Preferred Lease XXXX XXXX XXXX XXXX, TX, USA XXXX I am a victim of identity theft. I recently learned that my personal information was used to open an account at Preferred Lease. 

On XX/XX/XXXX, I received an email from XXXX alerting me of a new installment account from a third-party lender called Preferred Lease. I logged into my XXXX Account confused, as I have never heard of this lender and never done business with them. I opened the alert in my XXXX account and saw a {$6000.00} installment plan. Further research, calling the phone number provided for Preferred Lease uncovered the following details : The lender, Preferred Lease works with XXXX XXXX XXXX and other furniture retailers to provide furniture on credit. 

XXXX XXXX XXXX and Preferred Lease failed to properly identify this person 's identity prior to approving her loan. While she does in fact possess forged documents of my personal identifiable information bearing my name and SSN, she submitted a photo of her method of payment covering her own name on the card, and the delivery address and billing address she provided did not match the address on my license, which should have been cause for additional verification of her identity. Preferred Lease has ignored my request for resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX  XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : - ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquiry : XXXX. XXXX, 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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. 
See attached.
Product: Credit card or prepaid card

On XX/XX/XXXX my fiancee and I went to the Zales store in XXXX County in the Mall. We purchased a diamond engagement ring in excess of {$5000.00} and applied for a store credit card for {$3000.00}. We financed {$3000.00} of the ring and paid cash for the remainder. We have made our payments and have paid over {$2000.00} in payments over 2 years. The last time I looked at my balance it was under {$2000.00}. We kept making payments and just last week my husband was going to purchase a birthday gift for me and it said he had no credit which was alarming which in turn encouraged me to go online ( that's how we pay monthly ) and pull the full statement to see what was wrong. It was then I noticed we had been charged over {$80.00} a month in interest and a fee of {$1200.00} on XX/XX/XXXX when our balance shows was {$1900.00}. I called the store to inquire as to what was going on since I know we paid over {$2000.00} in payments already. They told us today that we had a promotional credit card with no interest for 18 months. Without any disclosure to us that on XX/XX/XXXX we would incur a fee int he amount of {$1200.00} for back interest. As we have been paying the bill monthly we saw interest coming out monthly but all of a sudden our balance shot back up to the original purchase amount. I attempted to resolve this with Comenity Bank/Zales and they were very rude and accused me of not making myself aware and checking my statements monthly. They asked for a manager and was given " XXXX '' and she was increasingly frustrating to talk with. Very short, rude and accusatory blaming us for the misunderstanding. Of course, we assume it is written in fine print somewhere but it was never disclosed verbally to us that had we not paid the purchase off in full in 18 months that we would be charged back interest at over 29 %. To us we feel extremely violated and robbed of our hard earned money. We are paying this card off immediately but felt it necessary to make the Federal Trade Commission aware of their misleading advertising and clear disclosure of such a scam. 

Thank you for your time and consideration. We just don't want this to happen to anyone else in the future. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX email : XXXX XXXX
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX. 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

On XX/XX/XXXX I wrote a secured message to Citibank about some issues with their card and they replied in a timely manner ( about 4 hours ) in the email they agreed that if I made a minimum payment they would credit me all interest accrued in the last year. I called in and spoke with a rep that was unable to credit the entire amount but did verify it was supposed to be credited. Upon escalating to the office of the president XXXX XXXX claimed no more was going to be paid and that I was given bad information. He refused to honor what had been already promised to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company keeps re-aging debt. I had a sprint account that was closed in XX/XX/XXXX. Enhanced Recovery Company had the debt for a few years and has now " re-opened '' it on my credit report stating XXXX is 5 months ago ( XX/XX/XXXX ). I've disputed it and XXXX has stated that the debt is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}
Product: Credit card or prepaid card

I typed letters to each credit card lender indicating I was affected due to a natural disaster ( covid19 ) I was requesting hardship at this time. The letters were submitted back XXXX, XXXX, XX/XX/2020 Due to the Cares Act it did state that Credit card debtors can request hardship at the time. However, I paid the account up as agreed bit now it is showing late payments on all three credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX, Transunion, 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 account information without my written instructions.

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct violation.