Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8100.00}, {$5700.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Complaint sub-issue: Investigation took more than 30 days

I have written 3 dispute letters to the following company to validate and verify the debt they claim I owe them. They have failed to respond to me in writing in the 30 days allotted by the FCRA. 
1. ) XXXX XXXX XXXX 2. ) Conns XXXX XXXX. 
3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX TX
Complaint sub-issue: Investigation took more than 30 days

XX/XX/XXXX Sears Home Improvement account, bank note held by CitiBank opened. 
XX/XX/XXXX XXXX charge for the initial down payment for the Sears Home Improvement project/contract signed on XX/XX/XXXX. 
XX/XX/XXXX Sears Home Improvement suspended job performance without notice to contractee, thus failed to complete project. 
XX/XX/XXXX Sears Hone Improvement terminated contract without completion and retained all monies paid towards project. 
XX/XX/XXXX Litigation complaint filed with State of Oregon Construction Board for the contract breach with Sears Home Improvement. 
XX/XX/XXXX State of Oregon Construction Contractors Board mediated on complaint to access the Surety bond of up to XXXX. 
XX/XX/XXXX Sears Home Improvement offered monetary settlement of XXXX for damages. 
XX/XX/XXXX Sears Home Improvement refused to settle on complaint from the liability insurance as proposed. 
XX/XX/XXXX Consumer dispute filed with Sears Home Improvement account, bank note held by CitiBank. Citibank failed to complete dispute timely with processing well over 11 months. 
XX/XX/XXXX Filed claim for litigation through Small Claims court aa directed by State of Oregon Construction Contractors Board. 
XX/XX/XXXX Contacted Citibank dispute department, dispute was still in processing. 
XX/XX/XXXX and XX/XX/XXXX Sears Holdings Incorporated, et al., and all its affiliates including but not limited to Sears Home Improvement , Inc. filed Chapter XXXX Bankruptcy, XXXX XXXX., which imposes an 'Automatic Stay ' on ALL litigation and claim proceedings. 
XX/XX/XXXX CitiBank determined they were unsuccessful in processing dispute, no charge-back from merchant could be attained, and as a result no resolution was achieved even though my account was in good-standing. 
XX/XX/XXXX Submitted an Executive Complaint to CitiBank regarding the excessively lengthy dispute processing time, and the misrepresentation of my Consumer Rights. 
XX/XX/XXXX Citibank response was they have no recourse to recover funds or a resolution on the matter even though my account was in good-standing. 
Total due : XXXX XX/XX/XXXX Citibank billing statement added late fees and interest totalling a payment due of XXXX XX/XX/XXXX Citibank billing statement included a late fee reversal of XXXX even though the fee is XXXX, total payment due XXXX XX/XX/XXXX Settled account with CitiBank for XXXX ; however, CitiBank will not remove late payment notifications to credit reporting bureaus even though the account was in dispute and is in litigation with multiple courts and State Agencies. 

Note : XXXX was notified of the above dispute and worked diligently to assist, however, there are limitations as to the level and nature XXXX handles disputes in reporting.
Complaint sub-issue: Banking errors

On or about XX/XX/XXXX, I opened a certificate of deposit with Discover Bank under the XXXX XXXX XXXX promotion. I was supposed to receive a {$50.00} credit for depositing {$2500.00}. The credit was never applied. I have contacted Discover Bank over the last 6 months several times and was promised that the matter would be investigated. I received no response. On or about XX/XX/XXXX, I contacted Discover Bank again and received a response from XXXX, stating that I did not meet the funding requirement of the promotion and that I needed to fund {$2500.00} in one transaction. I deposited two {$1200.00} deposits, two weeks apart. I advised XXXX that the terms and conditions of the account and the promotional flyer did not specify that the {$2500.00} must be funded in one transaction. I request CFPB assistance as I have not been able to resolve this matter directly with Discover Bank.
Complaint sub-issue: Transaction was not authorized

My business opened up a new merchant account with XXXX XXXX, which was approved on XX/XX/2022. We were up and running with POS equipment for approximately a week when they canceled our account and sent us a notification that we needed to return the equipment. This was on XX/XX/2022. After inquiring for further information, they advised that our business was placed on the MATCH list, aka Terminated XXXX XXXX XXXX. Never having heard of this, we did some research and realized that there was nothing that we had done that would be a criteria for being placed on this list. They advised that their risk department, which is Paysafe, had flagged us and advised them to terminate our account. Paysafe advised that we were placed on this list by XXXX XXXX XXXX Bank, who advised it was not them, it was XXXX and gave me an email to contact them for further information, which was XXXX. After inquiring with them, they advised that my name personally ( I am a co-owner of the business ), has been flagged as a victim of Identity theft therefore putting our business on the MATCH list. I contacted all parties, XXXX XXXX and Paysafe to request them to investigate the situation more thoroughly as we were not the perpetrators and that XXXX advised they could contact them to confirm same. Paysafe has our money on a 180 day hold. The estimated amount of money that they are holding is {$6500.00}, but this is not verified as they have not confirmed the amount.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Problem during payment process

XX/XX/2020 this is my second call to Citi Card and I called to pay off a balance of XXXX. I was told I couldnt pay off the balance until I pay off another balance with them first. I couldnt understand why my balance was decreasing after never being late on payments and paying extra every month. It has been at XXXX for almost a year with the same balance! They refuse to allow me to make a payment to pay off a balance of XXXX with a interest rate of 9.99 %. Is it possible to find out where all the money that I have been paying is going and why it isnt showing up or helping decrease the balance. Further more we are in the middle of a pandemic, why am I not allowed to clear up debt regardless of how small. No one wants to be behind consistently during these times! Our country is in crisis yet Im able to pay a small bill that they refuse to allow me to pay! Legal action must take place!
Complaint sub-issue: Account information incorrect

There are inquiries on my XXXX, XXXX, and Equifax that are not open lines of credit - I request that the CRAs remove these inquires immediately.
Complaint sub-issue: Problem getting your free annual credit report

After the data breach with Equifax, I put a freeze on my account with them. 

I have tried a number of times over the past 6 months to get my credit report via XXXX from Equifax, but each time, I get an error that they are unable to complete my request, and that I have to mail in documents. Since my data was involved in the Equifax breach, I'm reluctant to trust them with that sensitive documentation, so I have been trying to find an alternative. 

I also have a myequifax account, set up when I froze my report, and similarly over the past 6 months have tried a number of times to login and remove the freeze, but when I attempt to login, I get a generic error and a phone number to call. 

When I call the number, or when I call any number to reach equifax to discuss the freeze and the inability to get my report, it takes me through identity verification questions, and without fail ( I have tried calling many, many times ), the 4 questions do not pertain to anything in my credit report. I answer None of the Above to each, and inevitably, the automated message says that they are unable to complete my request. 

I can not figure out ANY WAY to get in touch with a human being at Equifax to see what is going on with my report, and after hours and hours on the phone, and months trying to figure this out, I don't know what else to do.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX lexus nexis inaccurate information to credit company or broker
Complaint sub-issue: Account status incorrect

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}
Complaint sub-issue: Billing dispute for services

Greensky credit keeps sending out mailers and emails saying we are late every month. I know otherwise we have numbered envelopes for the money orders. It has payment amounts and dates of payment owed. We are paid up until XX/XX/2021 we have not been late. They are committing fraud and cashing those money orders. They are saying were late. My cell phone is XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX CAPITAL XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX  {$430.00} bal. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX is reporting a debt that I do not owe. I have reached out to the company to dispute the charges but I have not received a response back from management. XXXX XXXX is reporting a debt of over {$300.00} for services that were never rendered. I asked XXXX XXXX for a itemized bill which is within my rights according to the FCRA. They have failed submit a detailed bill. They are also reporting the bill on my credit report but I had a prepay service with the company. They never gave me any line credit and they are reporting it on my credit report as so.
Complaint sub-issue: Problem getting my free annual report

Dear Sir/Madam, I have requested my annual report online like I do every year. Equifax tells me I am denied my free report and has asked me to MAIL them a copy of my social security card, my XXXX and my driver 's license copy. I am 100 % confident that I have answered all my verification questions with care and correctly! It seems like they are looking for the smallest reason to deny reports to consumers. I have contacted an agent who only gave further attitude and threatened to cut communications. I have an email saying my report is ready and I have an order number form Equifax. I successfully logged in to my account but all I see is buy now buttons! Nothing is free! Equifax is not letting me see my free annual report that was granted to every US citizen by federal law ( s ). I am writing to let you know that Equifax is being very aggressive and using everything not to let me see my free report. All they do is solicit me for selling their products! They are using my email to get me to log in to buy products from them! They are not giving me my free annual credit report! 
Thank you for your help and taking time to look into this issue.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

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
Complaint sub-issue: Information belongs to someone else

Credit Card for individual was opened at XXXX XXXX XXXX  on XX/XX/2021 with a {$500.00} limit. 

I was unaware of this identity theft until months later I checked my XXXX XXXX  account and saw a 200 point drop in my score. Clearly I live in another state from this banks location and have no emails in my personal or work emails relating to XXXX XXXX XXXX. 

Since this became a revolving credit card debt issue there is a {$650.00} balance. I urge to you please open a fraud/identity theft investigation immediately.
Complaint sub-issue: Funds not handled or disbursed as instructed

To whom it may concern, On XX/XX/XXXX my business and personal accounts were locked. I was sent an email from XXXX XXXX  which I immediately responded to with my passport and record of funds deposited. 

Today is XX/XX/XXXX. I have contacted the bank every business day asking to have my accounts open or if there was any information I needed to supply. On XX/XX/2021 I was called by XXXX XXXX - Incident : XXXX XXXX - he told me the checks I scan look digital, I said I take a photo of them for my records and take a photo from my phone using the XXXX XXXX XXXX. He stated he understood the accounts would be reopened, date XX/XX/2021. 

I believe there has been a case of neglect my account has been closed for 28 days. 

I used the bank as my primary business & personal accounts. I use the business account to scan checks from clients which total about 10 checks per month. 

There was a question regarding how I scan my mail which I have scanned to me by a trusted person looking after my house while I am away on business.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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
Complaint sub-issue: Old information reappears or never goes away

Below is the letter I submitted to Citi Bank. 





XX/XX/XXXX Citigroup XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX  XXXX, New York XXXX Dear XXXX XXXX : It saddens me to find that its impossible to correspond with Citi Bank by e-mail. 

I would like to address MY recent experience. 

When XXXX dropped XXXX XXXX, I opted for their Costco Citi card. My credit limit was set at {$2000.00}. Although low, I didnt feel at the time that I would need any higher amount. 

According to XXXX, my credit score of XXXX ( with Citi ) is considered exceptional. 

So, when my refrigerator suddenly died, I found one at Costco that would have met my needs. For that reason, I called to request an increase in my credit line. I WAS DENIED. When I pursued it further, Citi told me it was because I had some negative information in my file. 

Background : When I lost my job in XXXX, and experienced some significant medical bills, I was forced into bankruptcy. I have paid the price for 10 years. Before that happened I had a GREAT credit score / history ; in the top 10 % of consumers. 

Delving into this further, I joined XXXX and filed a dispute. As you can see from the enclosed info, it states that I currently have no negative information in my credit file. 

That being said, WHY does Citi insist that I have negative activity in my file? 

This experience had me curious how others experiences compared to mine ; so, I pulled up Citis on-line reviews. 

WOW, what an eye opener. Makes me wish that Costco had stayed with XXXX XXXX. 

The Citi group must be concerned about hearing from their customers with legitimate concerns by e-mail, - and thats the reason for making it impossible to communicate by this means. Sadly, your phone reps are not of any help. 

Furthermore, the link that Citi sent that stated action required, did not work. I called the number provided IN THAT NOTE. The representative didnt know WHY I was calling that number!! Perhaps more training would be appropriate? 

I was told that she could connect me with another department, BUT, it probably wouldnt do any good. Also, I could call back every week IF I wanted to. Ill pass. I couldnt tell if she was being condescending or polite. 

All in all, you said in your interview with XXXX that We want to be a winner. 

Perhaps Citi could start with respecting their existing customer base and use up-to-date criteria from the credit reporting agencies when answering their customers request. 

I would still like to know WHY Citi chooses to NOT USE the appropriate data to address my request. Because, if I can pull up this info on-line, WHY CANT YOUR DECISION MAKERS? 

As suggested, I removed my name. 
______________________________________________________________ After hearing back from a " Citi Bank team member '', I was told they do use information on file even though it is past the 10 year mark! ( Nothing changed in my case. ) So please help me understand WHY consumers are told that this negative info is removed from our records after this ten-year period, when obviously it is not?
Complaint sub-issue: Account status incorrect

I have always made ontime payments and never been late yet Homebridge Financial reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.
Complaint sub-issue: Reporting company used your report improperly

I have sent several letters stating my rights as a consumer with the law under 15 US Code 1618b for permissible purpose I did not give consent to have this report my account and the credit reporting agency has yet to fail to comply with my rights
Complaint sub-issue: Attempted to collect wrong amount

5yrs ago I got Solar Panels and the sales person completely misrepresented herself-that has been dealt with HOWEVER, I have been sending in monthly payment on both of my systems ever since and NOTHING is being applied toward the principle and they apply everything to the interest. How can the get away with not applying anything toward to principle and everything to interest. AND I was suppose to have a sent payment to pay monthly to pay this off, and I don't have that either. My monthly payments bounce all over the place. How can Tesla just put a different payment every month with NOTHING going toward the principle. They are worse than a loan shark. Please investigate their lending practices.