Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

On  XXXX   XXXX ,    2017, I completed a balance transfer using a promotional check sent to me via mail by Discover. I  receive them all the time but never took advantage of one until now. I transferred my balance and made my first payment. After realizing that the payment was higher than it should have been I contacte d Discover. O n  XXXX   XXXX ,  2017 , I spoke with  XXXX  in the Ohio location. After placing me on hold for several minutes she found that the reason I was charged additional was because the check processed was allegedly for a regu lar cash advance only a nd not the promotional offer. She said that they place  two  types of checks in the envelope-both  cash advance and bala nce transfer. I explained to her that this is misleading and confusing to a consumer for them to place both types of offers into the checks. I am sure that several others have made the alleged mistake that I have made before if they were not careful. I asked  XXXX  what could be done to resolve and she said that there is nothing that can be done. After almost 8 years with this company, I will be transferring my balance to a legitimate, ethical company ( i.e. my personal bank or  XXXX   XXXX  ) and closing out this car d. Discover 's practices a re deceptive and I feel so disgusted that they would take advantage of me in this way.
Complaint sub-issue: Information belongs to someone else

Credit acceptance : XX/XX/XXXX, {$14000.00} Bank XXXX XXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX : XX/XX/XXXX, {$400.00} XXXX XXXX XXXX : XX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.
Complaint sub-issue: Debt was paid

I was contacted on XXXX XXXX, 2017 at work by someone named XXXX XXXX who said he was with D & A Services, a debt collection agency. He said I owed a debt that actually was paid many years ago. He said he sent me information in the past but I did n't respond to it. I never received any information from this company in any form. I do not owe any debt to the company he was referring to. He was very persistent. After looking up information on this company, I 'm afraid they will use my information for some scamming or fraudulent activity.
Complaint sub-issue: Other problem

Synovus Bank who gives secured cards for first progress is misrepresenting a credit card and the information is misleading. my account had a balance and without going over my card limit it would not let me make additional purchases. after looking into the law about the secured card and how it is unlawful to make a down payment on a finance charge. I am furious because this has ruined my reputation and now I am without because of their misleading tactics and not being able to talk to someone about this.
Complaint sub-issue: Account status incorrect

I paid off my auto loan 2 years early. Mailed $ XXXX check. A week later received payoff letter and new title in my name. Bank reported it twice one was correct paid in full. The second was wrong charge off. Dispites 3 letters over 90 days. The bank failed to correct my credit report. All three CR Agencies also failed to correct my CR.. both letter campaigns included my proof ... 

My check was good, but if it was not Bank never indicated any problem with my check, never returned my check or claimed check was bad, no collection, but continued to status it as charge off I look forward to hearing from you soon. 

Sincerely XXXX XXXX
Complaint sub-issue: Other problem

XX/XX/XXXX Citibank Customer Service XXXX. XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Citi MasterCardXXXX ( XXXX ) XXXX I am writing to you to demand my outstanding {$540.00} credit back with applicable interest and late fees. I was promised by Citibank to have the check delivered to me in 10 days. 
XXXX XXXX  XXXX  XXXX  on XX/XX/XXXX signed a binding agreement with me to move my belongings from XXXX, XXXX  to XXXX, XXXX. I paid them {$540.00} deposit, but the moving company did not show up on the date they promised. They did not move my household that was packed up in boxes and they said that they did not have a new time for me when they will move me! I disputed the {$540.00} back from Citibank and I hired another moving company. 
Citi reversed the charge but the {$540.00} sit on my account Citi did not sent me my money back. 
Every time I call customer service they came up with a new lie. I was told before that the computer system was down, then the phones were down, and they could not send me a code to verify my phone number, then the XXXX representative said that my name was not on the account. 
I closed all my Citi accounts and demanded my money being sent back to me XXXX customer service representative from the XXXX put me on hold for 20 minutes verifying my identity on XX/XX/XXXX. We have got this far previously. But when the account is verified the representative HUNG the PHONE UP. 
From what I see Citi is not a bank but a criminal enterprise from the XXXX in business for embezzling American customers money. 
I was on the phone for 35 holding with the lying XXXX representatives to verify my account till they hung up on the XXXX of XX/XX/XXXX. 
I was on the phone verifying my identity for 30 minutes on XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 30 minutes on the XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 25 minutes on XX/XX/XXXX till the representative hung up. 
Citibank employees are trained liars! Citi customer service representatives have been trained by Citibank executives! 
Dated XX/XX/XXXX Citi sent me a letter saying that now my account is closed, and they reversed my dispute and sent the {$540.00} back to XXXX XXXX  who did not move me! 
I am outraged that Citi is allowed to embezzle money from customers!
Complaint sub-issue: Public record information inaccurate

Back in XX/XX/XXXX I was a victim of identity theft in a data breach with XXXX XXXX XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit Bureaus regarding my suspicion of identity theft. I have yet to have my disputes resolve or any feed back regarding this matter & its well over 60 days.
Complaint sub-issue: Account status incorrect

Equifax is practicing an unfair and rigged teeter-totter with a consumers score. If I one uses some of their available credit, they decrease their score by leaps and bounds but when I payments are made to decrease % utilization by paying off the debt and increasing again the credit available they only increase my peoples score by a fraction of what they take away based on the same amount. Just recently, they took 39 ( -39 ) points off my score when I paid off XXXX dollars of my total debt. This is the total opposite of what they should do and normally do. Every month or week they change and invent new scams to decrease the score and then bring it back up very slowly to keep people in the same range. This is the biggest scam to consumers that I have ever seen and should be stopped. It is a fraud being done to millions of consumers without any protection from the government. They run this scam wildly and cheat millions of people causing them to pay higher rates and to suffer many unjust consequences that come from low credit scores. I have been paying all my bills for years, but I have never been able to reach a normal level of credit higher than 600 because they purposely keep maneuvering the algorithm to keep people stuck in the same place. Have Equifax restore my score and have the cognizant government agency for this company and the other credit reporting agencies to analyze their practice as I truly believe they are flawed and skewed against the consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

I dispute these Items in the month  XXXX  Equifax did not compile with the State Attorney General Settlement Agreement  and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that  you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required und er Section 611   ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness.     According Sectio n 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclo sure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than  five  days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
Complaint sub-issue: Public record

In violation of what I have read in the FCRA, Equifax is stating that my dismissed XXXX XXXX will remain on our credit report for 3 additional year. By contrast, XXXX and XXXX have informed us that this dismissal will be removed from our credit report in XXXX and XX/XX/XXXX, respectively, of this year. 

The attorney we worked with did not have all of the paperwork in order for our XXXX XXXX when he filed it in XXXX. He corrected our paperwork and refiled it correctly in XXXX. We completed our payment plan a year and a half early in XXXX. 

We would like for Equifax to comply with the law and remove this Dismissed XXXX XXXX, not later than XX/XX/XXXX. Until then I will not be able to apply for the level of executive positions for which I am qualified. 

I am attaching copies of the dates for removal from my XXXX and XXXX Credit Reports. Please let me know if you need anything further from me on this matter. 

Sincerely, XXXX XXXX, XXXX.
Complaint sub-issue: Information belongs to someone else

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$510.00}
Complaint sub-issue: Information belongs to someone else

PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX  XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.
Complaint sub-issue: Information belongs to someone else

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.
Complaint sub-issue: Problem with personal statement of dispute

this account is unknown to me, the collector did not verify. Send documentation of proof
Complaint sub-issue: Debt was result of identity theft

This is the worse thing that could ever happen to me when they broke into my car they stoled my information and now Im really upset because this account is showing on my report as collection and past due and I had no clue until I got my annual report its frustrating base on act 617 and 616 if Im not the owner the creditor need to remove collection and all late payment from report ASAP
Complaint sub-issue: Their investigation did not fix an error on your report

I have written to dispute the reporting of my student loan on all three credit reports. I have attempted to correct this with all three credit reporting agencies and with XXXX XXXX XXXX Loans. I spoke with XXXX XXXX again today and received another notice from XXXX  that they do not have to investigate the complaint as the details of my letter were not specific enough and I had recently filed a dispute so they did not have to investigate again. When I spoke with XXXX XXXX they state it is the credit reporting agencies, XXXX, Equifax, and XXXX. The credit reporting companies state it is XXXX XXXX. 

There are two XXXX XXXX XXXX XXXX being reported on each of the three credit reports. One is correct with the all payments being reported as current. The second one of which a copy is attached to this letter, list the account as CURRENTLY PAST DUE GREATER THAN 120 DAYS. This student loan went through the rehabilitation approved process and the reporting of the loan was updated. During the update somehow two student loans began to be reported instead of one account.current.The second account should have been deleted from all three credit reporting agencies, Equifax, XXXX, and XXXX. 

The reporting on Equifax that are now reporting a student loan that was closed in XXXX with a XXXX balance NOW has late payments reporting in XXXX and XXXX. The account is reported as being currently 120-149 days late as of TODAY and was closed with XXXX balance is XXXX. 
The late payments on this account are over seven years from XXXX. I have worked diligently to rebuild this account to a good standing status. This loan went through the full rehabilitation process and the second account reporting reflects accurately what the account status should be. Under the terms of the rehabilitation process, the account that has the inaccuracies and late payments should be deleted from all three reporting agencies, Equifax, XXXX, and XXXX, as per the Fair Reporting Act. The correct one with the on-time payments should  remain as the account status. 

This inaccurate and outdated reporting of two accounts is detrimental to my credit score and does not accurately reflect my current account status or the rehabilitation program I followed. I am very frustrated and do not have any idea who to seek futher help from to resolve this issue. I am appealing to you for help with this to get both of them to work on this error. 

If you have any questions, please contact me.
Complaint sub-issue: Deposits and withdrawals

This complaint is to establish a contemporaneous record and to establish that still i am locked out of my account and unable to comply with the 90 day dispute federal law in which to file timely disputes. 

I have not received a copy of my statements by mail. 

This complaint shall serve as my demand to file disputed charges for all of the transactions that happened from XXXX, 2022 to present. 

This confirms that I wish to file a dispute for all of the transactions on my Credit Karma Money XXXX Account XXXX. I which also that this time evidence would be provided if the dispute is or is not in error.
Complaint sub-issue: Deposits and withdrawals

I've had reoccurring issues of not having access to cash from PNC bank. I've been told they couldn't fill a $ XXXX cash withdrawal which is absurd. Most recently on XX/XX/2021, I needed $ XXXX cash withdrawal when that account had over twice that " available ''. The branch said they cant fill that order, they didn't have enough cash .... in discussions with the bank manager there they had something like $ XXXX cash on hand and thus didn't think they could give me " so much '' of it. I dont know how that is even legal for them to refuse access to funds. I told them it's not acceptable to deny the cash and I need a resolution the same day ( was buying a car ). I had to drive 40 mins from home to a branch that had cash for me...
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is listing this account status as INDETERMINATE while the other bureaus report it as CLOSED. 

Equifax is also listing a date of last activity as XX/XX/XXXX while the other bureaus are reporting different dates of last activity ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). This indicates the account was illegally re-aged. 

The last reported date is also listed as XX/XX/XXXX, which also means this was never legally verified. 

Equifax also continues to report positive payments on a closed account.
Complaint sub-issue: No notice of investigation status/result

Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I the Consumer, natural person, am aware that congress makes it clear that there is an abundance of evidence that abusive, deceptive and unfair practices pursuant to 15 USC 1692 ( a ) ( b ), 15 USC 1692e ( 2 ) ( a ) are being displayed such as False representation of character. And it has come to my attention that your response is based on an automated system which is in fact a violation of Consumer rights. In addition, who gave you the authority to furnish false and misleading information on my consumer report? I did not give you written instructions nor was this reasonable. You failed to comply to 15 USC 1635 ( a ) which states you must provide the appropriate forms that I have requested and you havent provided them, so thats clearly another violation. I REQUESTED THAT YOU SEND ME EVERY DOCUMENT PERTAINING TO THIS ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. You have also violated the FDCPA because you did not validate the debt after receiving my validation letter 5 days after you responded to my demand. According to the FDCPA this a {$1000.00} violation along with the others mentioned above.
Complaint sub-issue: Old information reappears or never goes away

The following XXXX XXXX account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding, charged off accounts should NOT include an active payment history. Need I remind you, this also falsely manipulates the statute of limitations.
Complaint sub-issue: Information belongs to someone else

ALL FTC VIOLATIONS ATTACHED print XXXX Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX
Complaint sub-issue: Problem with fees

About a little over XXXX year I went to my bank ( Citibank ) to do a regular transaction with them while being there they offered me a Credit Card to help build my credit since I didn't have one. I asked that if I could move a balance from another account to this card and they said that it was not a problem. When they offered me that card and that in was interest-free for as long as I paid my balance on time each month. So I received my card, and started paying the balance each month on time to avoid this. To make things a lot easier on me, I decided to enroll on autopay to so I wouldn't forget each payment. For months I saw that the payments was going thru w/o a problem. A few months ago I started noticing that my balance was NOT going down despite the fact that I was paying the minimum amount which was anywhere between $ XXXX to get this balance down faster. Well it turns out that despite me being responsible for this long the bank was charging my a " interest fee '' for having the card and I was never told this. I found out when I checked online that they were charging me around $ XXXX dollars each month for this " interest fee '' even though I had already paid on time every single time. I called the bank and they said that it was an interest for having a debt with the bank which it was NEVER explained to me. Had I known that I would have never agreed to this. I asked their representative since when they have been charging me for this and he said that since late XXXX. I was floored, no wonder my debt never went down even though I was paying responsibly each month around {$90.00} dollars. To me this is completely illegal, I was never informed about this by the bank nor I received a letter or email regarding this. I asked the bank to reimburse me all that money and they put me on hold a few times but the phone call never went thru. So I feel like they are not taking responsibility for this. I would have paid that card basically in full if they didn't charged me all those outrageous fees for so long. Here I am paying on time, being a good citizen, not missing a single monthly payment so the bank can easily rob my money without my consent. I need to for the bank to reimburse me all that money. I appreciate your help in advance. Thank you.
Complaint sub-issue: Debt was paid

I applied and was granted a financial assistance/ payment assistance after evaluation of my taxes and pay stub by XXXX XXXX XXXX XXXX XXXX I have a XXXX  balance screen shot given by XXXX XXXX from XXXX XXXX XXXX XXXX financial Department given XX/XX/XXXX I have a XXXX  balance statement and sent cerify mail for them to validate my financial and legal obligation and also nor AMERICOLLECT OR XXXX XXXX XXXX XXXX have not responded to that. 
Acct # XXXX Date of service XX/XX/XXXX Account # XXXX emergency services ( wiht no date of service printed on the bill ). 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of service XX/XX/XXXX. And XX/XX/XXXX Including any related accounts and bill that may not be included on this letter under my name XXXX XXXX and SS ending on XXXX. 

This Is the third communication sent to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 

And AMERICOLLECT from XXXX XXXX XXXX XXXX.