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

I have applied to a XXXX XXXX store credit card for my business XXXX XXXX and I am the sole owner of the company with only XXXX employee, myself. I have a construction business and products offered at XXXX XXXX are what my business mostly requires. After applying on : On XX/XX/2022, I have received an email from Citibank which is the company that manages the XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account that says they were not able to approve my request for a new account. Letter says the decision was based on a previous relationship and their decision to terminate it. The account I have had with Citibank was closed by me and it was not a Citibank decision. This was a red flag then I called Citibank and inquired, their customer service team was not helpful but they gave me an address to physically write a letter to. I wrote a letter and mailed it. 

On XX/XX/2022, Citibank responded with the attached letter " We have determined that an incorrect letter was issued to you dated XX/XX/2022. We have attached the correct letter that should have been issued to you, dated XX/XX/2022, for your review and records. '' In addition they claimed that I am on a Department of Treasury list of " Specially Designated Nationals and Blocked Persons List '' or another list administered by the US Department of the Treasury ( attached ). I inquired with the Department of Treasury ( DOT ) and they proceeded with a letter saying I am not in any of the DOT 's lists ( Attached ) I forwarded this letter to Citibank as well and I responded to their letter explaining that there must be a mistake after providing evidence from Department of Treasury. Since the correspondence from the XXXX of XXXX until the XXXX of XXXX, I have not heard from CItibank even though they said they would get back to me within XXXX  days and I am a high priority. 

On XX/XX/XXXX, XXXX they responded with a letter " Based on our prior experience with your previous Citi Savings Plus account ending in XXXX, we determined that we can no longer offer you financial service products. Therefore, we must reinforce our decision to decline your recent application for a The Home Depot Commercial Revolving Charge Card account. '' Clearly there is a major disconnect between the reality and how they choose to deny a past customer with a good relationship with Citibank due to a serious credit discrimination. This impacts me in terms of not being able to get the publicly advertised XXXX XXXX Credit Card and I do not find this to be the right thing to do. While I have many options of applying to many other financial institutions, I do not think this is the right sort of treatment to any persons from a financial institution. Therefore I am contacting your organization to search and protect my rights. Citibank had denied me for a checking account in the past without explanation, this was suspicious but I decided to not pursue. Whereas this time, I do not think it is a coincidence and I have started asking questions. Please kindly let me know what your findings are and whether this is a pattern of discrimination by this financial institution.
Product: Credit card

Please combine this with XXXX or delete that complaint so citi is not getting XXXX complaints for this. I am not able to update XXXX so I 'm filing a 2nd complaint. 
I realized the issue, it turns out there was an unauthorized transaction from my checking account and the electronic payment of {$1300.00} that I submitted XXXX/XXXX/16 was then returned. 
I will say the fee description of returned check is confusing, I did n't send a " check '' that was returned. Also, I read through the terms and conditions again and no where does it say when making a payment that you 'll submit the payment numerous times if it does not clear. I have {$90.00} in fees from my bank because you 've already submitted it 3 times. That is clearly misleading and even if you sneak the ability to attempt to pull the payment over and over again into other disclaimer language somewhere, it 's certainly not provided when making a payment. Hence, I did not expressly authorize it. XXXX concern? I think so.
Product: Credit reporting or other personal consumer reports

I just checked my credit report today, and unauthorized inquiries appeared unexpectedly. Im really upset because I dont know why theyre there, and despite refreshing my browser, the discrepancies persist. I need this issue resolved as quickly as possible, and I expect the documents Ive submitted to be reviewed carefully so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I DISPUTED TWO INQURIES AND A CHARGE OFF ON MY CREDIT REPORT WITH ALL THREE CREDIT BUREAU ON XX/XX/2020, XXXX REMOVED THE XXXX CHARGE OFF FROM MY REPORT WHILE XX/XX/XXXX AND EQUIFAX REFUSE TO CORRECT MY ACCOUNT MORE THAN 30 DAYS, TODAY MAKES IT 48DAYS SINCE I REQUESTED THE CORRECTION/DELETION ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE TO RECTIFY THIS ISSUES.ACCORDING TO SECTION 609 ( a ) ( 1 ) ( A ) NO VERIFICATION WAS DONE BY XX/XX/XXXX AND EQUIFAX ON THE XXXX CHARGE OFF NOR THE OTHER TWO DEROGATORY REMARKS : 1. XXXX NOT MY ACCOUNT 2. XXXX XXXX {$1400.00} 3. XXXX XXXX XXXX I ALSO REQUESTED ALL ADDRESES THAT IS NOT MY ADDRESS TO BE REMOVED FROM MY REPORT AND NOTHING WAS DONE. 
PLEASE HELP ME I DONT KNOW WHAT TO DO ANY MORE I HAVE DONE ALL I COULD AT THIS POINT, AND THE BUREAUS ARE PLAYING GAMES WITH MY LIFE.
Product: Credit card

Account was closed abruptly. Set up payment plan. {$25.00}. a month. All interest and fees stop.They continue to charge me huge payment statements with interest and fees. When trying to contact. My calls keep get forwarded and XXXX hung up on.
Product: Debt collection

According to the federal law as stated by the FTC, and HJR-192, I am THE ORIGINAL CREDITOR. The following accounts have been disputed and have still been reporting illegally to my credit profile. 

By law!!!! None of these accounts can be Verified by a natural person of these entities. 

It is illegal to report and furnish my information, and is illegal to report deceptive and misleading information. 

***IC SYSTEM***, ***XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectors the law states that third party debt collectors do NOT have the rights to my federally protected consumer information, and they by law can not say I owe any debt. These corperation 's are in several violations by stating they have verified these alleged accounts. This is is false statement, and if not removed immediately..these corporations and the credit reporting agencies reporting these illegal accounts will face civil liability per 15 usc 1692k in the amount of {$1000.00} for ever violation found, to me the consumer as stated by federal law.

This is the last chance to cure as I will seek monetary relief for this harassment. 

**IC System** provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

XXXX XXXX XXXX XXXX XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

**XXXX  XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

THESE INQUIERS ARE UNAUTHORIZED **XXXX  XXXX XXXX ( Inquiry from XXXX XXXX ) ** ** XXXX/XXXX XXXX ( Inquiry from XX/XX/2020 ) ** **XXXX/XXXX XXXX  ( Inquiry from XX/XX/2020 ) ** **Coaf ( Inquiry from XX/XX/2020 ) ** XXXX XXXX XXXX ( Inquiry from XX/XX/2020 ) ** **XXXX XXXX ( Inquiry from XX/XX/2020 ) ** The following personal information is incorrect and needs to be removed for proper and accurate correspondence. 

( XXXX XXXX XXXX XXXX, XXXX XXXX md, XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX )
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS, AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS AND/OR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Checking or savings account

On XX/XX/XXXX I accessed my online banking account to view a payment that was scheduled to be paid from my CA, to my car company ( XXXX XXXX ). My online banking did not show that a payment wasdue to come out, so I set one up -- never getting a notice that 2 payments were scheduled for the same company on the same day. On XX/XX/XXXX, I received an email notification that 2 payments had been  processed. I immediately called XXXX and was told to have a stop payment placed. I went to my local branch immediately and was told that a request for a stop payment was sent and would be stoppedon XX/XX/XXXX. This process did not occur in office until XX/XX/XXXX, as which time the payments were already in XXXX XXXX possession. A dispute was placed by my local branch to attempt to recoup those funds, however, I was told that since the stop payment had an order dated XX/XX/XXXX and the funds were processed  on XX/XX/XXXX that the stop payment failed and would not be processed. My acct is never negative, I 'm never overdrawn. I do however, have overdraft protection with my savings account -- which they drained for fees and to cover other payments that I have come out bi-weekly. My local branch was kind enough to refund what charges they could, but my account still remains negative. So, I 'm not out ~ XXXX because of 5/3rd 's negligence and poorly designed customer website. I 've been re-routed multiple times to many different divisions to no avail. I would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXAccount # 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2016 I sent a personal check via priority mail with tracking to Chase they received it on XX/XX/2016. They could not find it still as of this date. Consequently I wired payments of XXXX each for XX/XX/XXXX and XX/XX/XXXX payments for a total XXXX wire of XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX Pa. Branch manager XXXX XXXX from the Credit Union and an agent XXXX XXXX an agent for Chase completed the wire transaction. Chase did not credit my account as of yet. The funds have left my bank account 24hrs ago but my mortgage account has not been credited as of yet.
Product: Student loan

I have been working with my student loan servicer FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) to obtain my {$17000.00} XXXX loan forgiveness for being a 5 year XXXX at a low income XXXX. I had to submit the application about 6 or 7 different times, each time the loan servicer would find something entirely different than the last as being " incorrect '' or " missing ''. Finally, on XX/XX/XXXX/17 they agreed that my application appeared complete and they forwarded the application to the Department of Education, however, it has now been over a month and I 've still not heard anything as to the status of my Forgiveness. I 've inquired multiple times with them via the email feature on their website, only to not receive any response. Because of the multiple delays on all of my applications, I 've been charged interest on the {$17000.00} balance that should have been approved almost a year ago. Any help on this situation is greatly appreciated!
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

I just received a copy of my consumer report and I noticed two accounts listed below were reinserted on my consumer file. Can you reinvestigate these accounts and provide me with the description of how you certify that the information was complete and accurate. I also was not notified within 5 business days of the reinsertion of these accounts which a violation under 15 USC 1681i ( 5 ) ( B ) iii : XXXX XXXX XXXX - Remove this account from my consumer report due to violation or my rights under 15 USC 1681 i ( 5 ) ( B ) iii XXXX XXXX XXXX XXXX - Remove this account from my consumer report due to violation of my rights under 15 USC 1681 i ( 5 ( B ) iii XXXX. XXXX XXXX on XX/XX/2023 - Remove this unauthorize inquiry from my consumer report due to violation of my rights under 15 USC section 604 ( a ) 2  XXXX. XXXX XXXX  Inquiry on XX/XX/2023 - Remove this unauthorize inquiry from my consumer report due to violation of my rights under 15 USC section 604 ( a ) 2
Product: Student loan

I am a Navient customer. Since XXXX of 2018, I have filed 3 income driven repayment plans. During the last application of IDR I attached a letter explaining I can not afford {$870.00} a month as I am a XXXX in Georgia, XXXX XXXX with a son who has XXXX. Currently, my monthly repayment plan is still at {$870.00} a month. Navient is not being cooperative with my needs. I am in the mean time going to apply to have my loans consolidated through the federal loan servicing. I need my voice to be heard this is very frustrating and not necessary. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Banco Popular of Puerto Rico is currently listing a Foreclosure on my Credit report incorrectly. 
I attempted to have them remove but they refuse saying that I am not the owner and can not provide me with the account information, yes that is their response. I have attempted to dispute via Credit bureaus with mixed results, XXXX removed but XXXX will not based on Banco Popular non response. I had a mortgage in good standing with them and was paid in full, this gave them my information. They attached a second mortgage to my name and refuse to provide me information on the loan so I can dispute. I am in the process of purchasing a property and this error is keeping me from securing a mortgage.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> there was a letter sent to experian discussing incorrect personal information reporting on my credit. I have yet to get any response from this company giving me the details on information being removed.
Product: Credit card

Purchased a dining table set from XXXX on XX/XX/2023 table arrived damaged. I contacted XXXX to request replacement offering to send back the damaged table, XXXX denied the replacement and no further assistance was provided. I filed a chargeback with the credit card company Goldman Sach ( Apple Card ).
Product: Payday loan

I took out a XXXX loan with big picture loans. They told me it was not a payday loan but an installment loan. I asked how much was the interest many times on that call, but never got a straight answer and since the rep did not speak XXXX well, i assumed she didnt understand the question, so i asked how much will i be paying in the end for tnis loan, she put me on hold, came back and told me XXXX, so i agreed to that, however a week or so later i got an email saying it was XXXX that i had to pay back for that XXXX i had already spent. This is insane, please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX for 5 years at a very high interest rate of over 17 %. So I refinanced the loan with XXXX XXXX credit union. 
I recently checked my credit report and the account with XXXX XXXX is listed as CLOSED even though it was paid in full. 

On or around XX/XX/XXXX XXXX XXXX paid off the loan on my behalf with XXXX XXXX and refinanced my XXXX XXXX XXXX thru XXXX XXXX XXXX for 2 years. 

On or around XX/XX/XXXX I again refinanced the remaining year of the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. The loan was paid off in full by XXXX XXXX XXXX XXXX. 

Just like XXXX XXXX  listed the account as CLOSEDso did XXXX XXXX XXXX XXXX listed the account Closed I have recently learned that closed accounts dings your credit reports big time. 

I have been on the phone with XXXX XXXX to change this but they insist the loan to them was not paid off by me therefore but closed out. I totally disagree with this because the loan between XXXX XXXX and myself was paid off.
Product: Debt collection

I have XXXX Im sitting here and received a call from Sunrise Credit Services harassing me over a so called debt I have with XXXX internet services I had. XXXX messed up my bill several times stated I owe money for a modem I never received and they charged me for an extra month of internet services after I requested a disconnection. This is not legal for someone to charge you an extra month of internet services if you requested it be disconnected. I never received a final bill from XXXX I received a collection call from Sunrise credit services and havent received anything from them in the mail either. If anything is placed on my credit report I will file a lawsuit against both parties XXXX and Sunrise Credit Services.
Product: Credit reporting or other personal consumer reports

I reach out to the company on XXXX different occasions, beginning in XXXX of XXXX and again in XXXX of XXXX! I believe because of a data breach that my report was wiped clear and now has no reported history from this bureau.Now I can not pull my Equifax report from any source, including my free annual credit report! I don't know what else to do, so that's why I'm reaching out here.