Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Citi Bank has a vendetta against me because I have complained against them. Unfortunately I have 3 Citi Bank Credit Cards. Limits were {$3000.00}, lowered to {$500.00} illegally ; Home Depot {$4000.00}, lowered to {$500.00} illegally and Sears, {$4000.00}, just lowered to {$250.00} all without proper notice just because gave an earned feedback of zero! How can I get Citi Bank to stop victimizing me and leading low credit score and then using it as an excuse to keep lowering my limits without notice? Please help me with a referral to fraudulent financial abuse.

I have 4 good banks that increase my limits rather than increase, XXXX XXXX, 3 accounts ; XXXX XXXX, 2 accounts, best bank ; XXXX  XXXX, XXXX accounts and XXXX XXXX! I only get financial rewards from these banks rather than financial abuse acts. Just because Citi Bank is an international bank does not give them the authority to victimize, abuse, and subject us severely XXXX XXXX XXXX  to unfounded and discriminatory abuse! All of these has lead me to a bad score leading to losses of thousands upon thousands of dollars of low interest opportunities. Because of Citi Bank 's illegal acts, I don't qualify! Prior to all of these unjust victimizations, my score was XXXX, but XXXX turned our finances off illegally but then Citi Bank has followed illegal suit! I still make all my payments on time where the companies has not prevented me to access my accounts, because some have!
Complaint sub-issue: Reporting company used your report improperly

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. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 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 an account without my written instructions
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, Method of Verification, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within 30 days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXXXXXX XXXX XXXX ) from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have resolved the problem paid the account in full is the reporting on my credit as negative 's please update my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

This Problem Goes back to a credit card with XXXX XXXX dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card. 

XXXX has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim XXXX XXXX and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. XXXX loves to sell the insurance polices back in the day and if you really do some home work XXXX XXXX has really hurt many people financially with these insurance policy. XXXX sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, XXXX was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn XXXX and myself. The agreement would state that once received the money for the judgement frim XXXX XXXX XXXX XXXX XXXX. that all the trade Lines ( credit lines ( equifax, XXXX, & XXXX ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against XXXX XXXX.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from XXXX Bank and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that XXXX. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with XXXX XXXX discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. XXXX XXXX just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your correct keep moving forward.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted both written and online disputes to have eqifax remove invalid information from my report. Including things like my name, Address & A host of inquiries that I simply didn't authorize. I have A fraud alert of all of my reports because there has been information listed in my report that simply was not mine. Below are A list of hard inquiries that I DID NOT authorize nor agree to have these companies pull my credit. I am requested they all be removed immediately as it is A violation of FCRA to report inaccurate information on someones report. I would like ALL of these specific hard inquiries removed. I have provided specific dates that they show to be pulled. 

XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) XXXX ( XX/XX/XXXX ) Addionally they have A host of name & Addresses listed that are not mine and has NEVER belonged to me. My Current name Is XXXX XXXX XXXX my former name before marriage was XXXX XXXX XXXX All other names should be completely removed from my credit report. Addionally, They have A host of addresses I have disputed over and over because they don't belong to me and never have.They have refused to remove these inaccurate addresses! My address on my report should be XXXX XXXX XXXX XXXX tx XXXX. I have been at this address for over 15 years and have been at NO OTHER ADDRESS On my credit report! Many of those address I have NEVER had any connection with and can be listed as fraud and any account connected to the addresses should also be disputed as fraud. I should only have ONE address connected to my report and thats the address mentioned above. I should also only show ONE name on my report which again is mentioned above. Again ALL inquiries listed above ARE NOT MINE. Please make these corrects immediately.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  showing my collectoin after agreeing to remove it after payment... 

it keeps reappearing has been settled...
Complaint sub-issue: Debt is not yours

I checked my credit report several months ago and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it multiple times with both the credit bureaus and the company itself and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Complaint sub-issue: Information belongs to someone else

there are inquiries on my account and i have spoken to the bureaus and still nothing happens
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX was not provide any documentation showing this is my debit. i open any inverstation with the credit companies and never receive any proof that this is my debit. But they are still reporting Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6600.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$6600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX This letter below was sent to the three credit companies XX/XX/XXXX Dear : According to the fair Credit Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for the reporting service could fax, mail, or e-mail a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with a signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand the following accounts to be verified or removed immediately 1. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Account # XXXX Unverified Account Please remove all non-account holding inquiries over 30 days. 
After you have finished my request, send me a copy of my credit report reflecting these changes. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and discarded from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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 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
Complaint sub-issue: Debt was paid

I paid my court debt in full onXX/XX/XXXX, prior to Alliance one garnishing my wages. On XX/XX/XXXX Alliance One issued the garnishment order and deducted wages until XX/XX/XXXX. Total overpayment amount {$790.00} I asked them to refund the overpayment. They did n't. XX/XX/XXXX they said they would transfer the overpayment to another case I am paying on. They still have not transferred the overpayment. Each time I make a payment ( monthly ) I ask them for my balance. They have not resolved the overpayment.
Complaint sub-issue: Account status incorrect

Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, Equifax, & XXXX  ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX have both 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 an account without my WRITTEN instructions.
Complaint sub-issue: Company closed your account

On XX/XX/2019, I visited my mailbox and discovered a letter from Associated Bank Cardmember Service indicating that I would be required to either respond or use my credit card by XX/XX/2019, in order to have my account kept open. Since I did not receive the letter until the beginning of XXXX, the account had already been closed. 

I called the Cardmember Service line and spoke with a representative, who said the account had been closed on XX/XX/2019. He instructed me to submit a letter to Associated Bank requesting that my account be reopened. I did so. That letter was mailed on XX/XX/2019. 

On XX/XX/2019, I received a letter dated XX/XX/2019 from Associated Bank Cardmember Service indicating that my account had been closed for longer than 30 days and could no longer be reopened. I called Cardmember Service that same day and spoke to a supervisor, XXXX. XXXX said she did not dispute that I had received the initial letter too late to act, nor that I had postmarked my request to reopen the account on XX/XX/XXXX. However, she said, the postal service was not Associated Bank 's responsibility, and therefore, my account would remain closed unless I wished to reapply. 

In summary : 1. Associated Bank sent me a letter asking me to act to preserve my account by XX/XX/2019. I did not receive that letter until XX/XX/2019. 
2. I spoke with an Associated Bank representative on XX/XX/2019, and was advised to send a request to reopen by mail. I did so on XX/XX/2019. My letter explained the situation in full and was dated XX/XX/2019. 
3. I spoke with an Associated Bank supervisor, XXXX, on XX/XX/2019, who did not dispute that I didn't receive sufficient warning to preserve my account, nor that I had requested that my account be reopened within the 30 day deadline. Despite this, she advised me that Associated Bank could not reopen my account and I would have to reapply.

I have made a good faith effort to follow their instructions in order to keep my account open. Closing, reopening, and reapplying for credit cards does damage to my personal credit score. I have been an Associated Bank customer for almost a decade, and I'm shocked that they would let our working relationship end in this terrible way.
Complaint sub-issue: Other problem

Discover card changed my product from a discover it to a discover miles card, without my permission to do so. I called and requested that the card be converted back. This apparently never happened. Instead, they closed my account and retained the negative balance owed to me without notifying me that they closed the account, refunding the credit owed, or making the previously mentioned product change. 

Even on my attached billing statement it does not state the account is closed, but when I call customer service they tell me it was closed inXX/XX/2021 without notice to the consumer.
Complaint sub-issue: Other problem getting your report or credit score

Attempting to apply for a home loan via XXXX XXXX and equifax is not producing my credit report I have contacted equifax multiple times and they state there is no freeze and everything should be able to be pulled But after multiple attempts by the bank, its still not being produced
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX /   17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2018 sent a request to Equifax to open their files and provide me with documents who match with mu records because what they are reporting in my credit is inaccuarte and is hurting dramaticly my score and my ability to access better chances in my financial situation. 
I sent proof to Equifax with notarized letter and certified mail showing inaccurate information with accounts containing information from the same source but with different values. 
My requesting was to remove and delete those accounts brcause clearly Equifax is in violation of the FCRA posting wrong information in my credit report vs the other 2 bureaus
Complaint sub-issue: Public record information inaccurate

Lexis Nexis is obtaining my credit report and incorrectly certifying my name for a public record. My legal name is XXXX XXXX and the public record should be removed by law. I have submitted my birth certificate attached, my social security number and government identification showing my legal name as XXXX XXXX and not the name of the public record.
Complaint sub-issue: Account information incorrect

Flagship Credit Acceptance responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00.  Flagship states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

Back in XXXX, I opened a checking and credit account as a business partnership with another individual. Shortly after opening the accounts I decided to end to the partnership. 
I had gone in and closed the business accounts. Both accounts had XXXX balance. They did end up closing the checking account at that time, but I was still getting emails and mail about the central credit account associated with the account. I ended up going to the bank about four separate times to see why I was still getting mail and to confirm that they closed it. I finally stopped getting mail in regards to the account, so I was under the impression they had finally fixed the problem. Fast forward to XX/XX/XXXX and I get a call that the account was over due with a balance of over {$20000.00}. I then went in and and they said the account was still open and closed it and that the partner associated on the account under his card had racked up a bill and had used it to pay for his wedding. The account was at XXXX balance for over 4 years and suddenly they have these charges on there. They basically just told me to pound sand and there was nothing they could do to get this out of my name. I contacted accountant, lawyer and police and was told that i could have him arrested over it but my best option was to just let it be if he kept on payment. He had up until recently so now it is in collections under my name even though the card that was charged is under his name. US bank failed in their fiduciary duty and has created a great deal of emotional stress for me and my family over this as well as hurt my credit. They also allowed this account to go from {$7000.00} credit line when it was originally opened to over {$17000.00}. They also will not give me exact dates or specifics that I have been asking for. I am at loss for words on how they could let this happen.