Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a letter on XX/XX/XXXX, stating a credit had been issued for a Citibank card that my daughter was rectifying, and that the account was closed. No where on this letter does it state that there was a balance due on the account. Prior to this letter, I had no knowledge there was a balance owed on this account, or that it was in arrears. 
XX/XX/XXXX, I was contacted by a collection agency for a Citibank card for which I did not possess with a balance of {$5900.00}. I did not receive a statement from Citibank for any outstanding charges on this account. 
I contacted the collection agency stating that I was processing a dispute with all 3 credit bureaus. Also, I disputed 2 addresses on my credit bureau reports listed in Maine, and contacted the FTC to inform them of this fraudulent activity. 
I sent a registered letter to the collection agency informing them of the actions I had taken with the FTC and credit bureaus. 
On XX/XX/XXXX, I contacted Citibank and spoke with a representative who informed me that I was responsible for the balance on this card and should pay the full amount. I was then transferred to another department and was told that I could fax a letter to Citibank asking to see a list of charges. 
On XX/XX/XXXX, I received a voicemail from Citibank. I listed to the message 3 times and my husband listened several times but neither of us could understand what the person was saying. 
On XX/XX/XXXX, I sent registered letters to the Chief Compliance Officer and General Counsel listing the information as I know it, and asking for assistance. 
As of XX/XX/XXXX, I have heard nothing. 
However, on XX/XX/XXXX, I received via XXXX a statement from Citibank with no charge detail, just a general billing statement. 
I have no idea what was charged or if there was any fraudulent purchases on this account. No one at Citibank was able to tell me what was charged or amounts for each purchase. 
As of XX/XX/XXXX, the Maine addresses have been removed from my credit bureau reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

List of Fraudulent Hard Inquiry That Needs To Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021i sent in letters regarding inaccurate reporting false items on my credit report and i have not received a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.
Complaint sub-issue: Billing problem

I make two - 1/2 payments on my car a month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I get paid twice a month. Thus the payment schedule above. I was in the process of setting this up and I did have auto pay set up with my credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), however, I discontinued this payment to set up the new process. Apparently I didn't discontinue soon enough, but I didn't know that a {$420.00} payment had been sent at that moment. And I set up the new payment plan. When I discovered the error I called both Ally Bank and XXXX to stop payment. Neither bank would do anything and they sent me back to the other institution! Frustrated, the payment went through, right before XXXX! Finally, Ally bank assured me of reimbursement. I have called them, At Least 3 more times, including today. I kept being reassured that it had been mailed out. Today I'm told that it wasn't sent out and they just applied it to my XX/XX/XXXX car payment! And since they deal with a 3rd party payment system, it would take another few weeks! I'm BEYOND FRUSTRATED AND ANGRY. I have XXXX grandchildren, a niece and nephew, who STILL haven't received their XXXX XXXX cash ( teenagers! Lol ) and, AND if I don't have my college class paid for today, I will miss my class this semester. Now I'm REALLY not happy. I feel that they need more than a slap on the wrist! The only thing this financial institution understands are big fat $ $ penalties. I feel that I deserve more than the {$420.00} that they have lied about refunding. Double it! Lol! 
Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I applied for several apartments and was declined for an eviction. After calling XXXX  XXXX XXXX, I was informed that this debt was put on my credit when I was in the unit. I did not move out until XX/XX/2018 and the date that the debt was put on my account is XX/XX/2018. The amount is inaccurate also. The judgement that was done in court was much lower than what was put on my credit. I still have emails from the realty company stating that I was in the unit.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I sent correspondence to Equifax along with copy of all up-to-date and current personal information ( driver 's license, utility bills, employment receipt, etc ) so they can remove all old, obsolete, and out dated info not connected to tradelines off my report and up-date with current info. I also inquired/informed them about the ( 5 ) five inquiries ( 3 from XXXX XXXX XXXX ; 1 from XXXX XXXX ; and 1 from XXXX XXXX XXXX ) that were made without my authorizing such and asking did they verify, or had a contract binding me and the company with my wet-ink signature in their possession to verify/validate information which they didn't. They are aware that I have been a victim of identity theft before and chose to ignore the problem as well as following the rules ( Sect 609 ( a ) ( 1 ) ( A ) and others set forth by the Fair Credit Reporting Act.
Complaint sub-issue: Investigation took more than 30 days

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX/XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I keep getting threatening call from XXXX ( XXXX XXXX XXXX ) Mediation Company, claiming that they are going to call my employer and get me fire, freeze my bank accounts and send a cop to my home to arrest me for some bad debt from 2012. 

They claim that they are filling a law suit in XXXX, New York and New Jersey and this will affect my employment. 

I asked them to stop calling me repeatedly and they keep robo calling me with the same message and when I do speak to someone they are very nasty on the phone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To Whom It May Concern : I have a credit card with Discover that i have been using for the last two years. Unfortunately, i purchased a travel ticket via internet on XX/XX/XXXX for the amount of {$1400.00} through XXXX XXXX. The booking number ID is XXXX. The itinerary of my flight was delivered to me via my email address. The airline company is XXXX XXXX. But From XXXX to all the way to my final destination i was booked with XXXX XXXX partner of XXXX XXXX. Once I arrived at the airport on XX/XX/XXXX at XXXX XXXX, I was told by XXXX XXXX employees that they just closed registration even though the departure was at XXXX XXXX. So, I inquired about the need to be booked on the next flight. They refused and said that they were nothing they could not do for me because I did not buy my ticket directly from them. I contacted the customer service of XXXX XXXX through open chat window on their website because there was no phone number to call on documents delivered to me. The customer representative i had, told me no to worry and they will get back to me. I immediately called my credit card company ( Discover credit card ) to inform them of the situation before the plane takes off. I was relieved when the customer representative told me no to worry about anything. They will deal with them. So, I used my other credit card to purchased another ticket for an amount of {$1500.00} from XXXX the same date. I was surprised that few months later I was charged back twice for the amount of {$1400.00}. for a total of {$2800.00}. {$1400.00} from XXXX XXXX XXXX XXXX ( I have no clue what company is that ) and {$1400.00} from XXXX XXXX XXXX. I tried to resolve the matter with them. But I noticed that this has become their routine in stealing from consumers.They sent me documents from the merchands that I disputed. But still they are quick to decide to close the investigation. How could I be charged twice for the same item?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, all 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 consent, and or instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/20 I received an email from PNC bank informing me my account was negative {$54.00}. I made 4 online transfers from my reserve account to bring the account balance positive on XX/XX/20. Then at XXXX on XX/XX/20 I receive an email saying my account was overdrawn on XX/XX/20. After reviewing my account pnc had reorganized my transactions causing me to overdraft. I brought the account current again on XX/XX/20 by transferring {$150.00} to my checking account from an outside account to bring it current. 

When I view my online account history my pnc account shows I have an ending balance of {$48.00} on XX/XX/20. When I called a rep at pnc on XX/XX/20 they informed me my ending balance was - $ XXXX on XX/XX/20. 

I believe PNC online banking is deceitful. It will show pending transactions, then drop them off from your account and online balance total for a few days before reposting them to your account again. I have been informed by a rep on a previous call that online bank balance is not a true representation of the actual account balance. This seems to be the case again and this is the second time it has happened.
Complaint sub-issue: Account status incorrect

I submitted to XXXX and equifaxmy medical card showing I had medical insurance. And uploaded from their site when accounts was sent to collections via their site to cross reference. I also sent my report that I disputed the account was open fraudulently. ( XXXX XXXX ) I uploaded proof the previous creditor deleted the account. And proof both accounts deleted from XXXX. In the dispute results it states '' Creditor identifies this account as accurate '' I don't see how when I have proof otherwise and get a generic response I attached my receipts I sent to XXXX, and when the accounts was originally sent to collections per their website. Reflecting all these account 's was AFTER I had insurance.I..also attaching my fraud report for XXXX collections and letter from previous creditor deleting the account
Complaint sub-issue: Reporting company used your report improperly

Equifax has had a major data breach which released potentially 143 Million people 's personal credit and financial data to a person or group of hackers, in an unencrypted, plaintext format. Checking on their own " are you affected '' site ( https : //www.equifaxsecurity2017.com ), it states that I may be affected by the breach. They then offer an Identity protection service, of which they mandate that you opt out of any potential future legal action in the terms of service. 

Also, when attempting to check what data they had through XXXX, I was told their " system was down for maintenance '' and I could not access that Federally Mandated data. I have already submitted a complaint about that to the XXXX contact page. 

Now my data is exposed, in plaintext, for sale to the highest bidder on the darkweb, and I ca n't even access the data that supposedly the hackers got, much less are guaranteed any kind of security in the future.
Complaint sub-issue: Problem accessing account

Hello, I called Bank of Texas where I have an account that has been sitting for many years. I have lived in CO for a few years and decided I needed to close the account a couple of years ago. They told me to send a letter in requesting the account to be closed and they sent me a letter stating my signature did not match the opening signature.. I was not present for the opening of the account as I did it over the phone to open the account. Fast forward to a few years later, I decided I will just register to view my account online and it said the account number does not exist. I have over 25 statements showing my account number ( they have my middle name spelled wrong on the statement ). I verified over the phone my full name, address ( no longer live there ) and my old phone number that was used to open the account which was a land line at the time. She said it was all correct. Then I gave them the account number which is listed on all the statements they mailed to me and they said it was not correct. They then told me I had to come to the location in Texas to hear anything about my account and why it froze in 2019. She also stated they could only text the land line number on the file for verification and that would not work so I had no choice but to travel to another state to find out about my funds. I asked to talk to a manager and she said no I had to come in person. I am very scared at this point as they will not even tell me what happened to my money. It is completely unreasonable to ask someone to fly and spend hundreds of dollars to even speak to someone to find out where my money is. I need to know where my money is and how I can get the money and close the account. They can even transfer it to the original place it came from to open the account. I do not trust this bank at all at this point and need the money put back to the bank it was sent from to open the account. I have attached a copy of one of the statements I have saved in my file cabinet that shows this is the actual bank account number. She was saying that I was wrong. Here is proof.
Complaint sub-issue: Deposits and withdrawals

A relative who is incapacitated signed over a government issued check to pay her bills, I took over to the bank under the instructions from bank that it would be held for 5 days. Okay, went over to bank on fifth day after seeing funds are available on line, get to bank only to be told fraud department is involved to make sure check is legitimate. The bank had 5 days to determine that fact, plus I have been repeatedly told that there wasnt any problem, now theres a problem. It just seems to me Im being treated differently, when a XXXX person cashes an exceptionally large check there seems to be red flags or fraud. Dont like playing XXXX card, just seems a different standard for people of XXXX.
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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: Reporting company used your report improperly

I have a bunch of hard inquiries on my credit report and the only one I did was the one from XXXX for my XXXX credit card. Ive sent them all letters to dispute them but some of them sent me letters saying that I did request credit for a new car.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2020, Citi bank reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX updated my report and removed the late payment remark. XXXX and XXXX refuse to assist me and remove it from their reports. I have multiple Citi Card accounts and have made payments to them over the last year over {$30000.00} without being late.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, there is an incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiry listed is inaccurate and needs to get deleted immediately : XXXX XX/XX/2020
Complaint sub-issue: Banking errors

My complaint involves not receiving a referral bonus using the CashApp service, however, after encountering the referral bonus not being credited as promised to my CashApp account, Ive come to believe the whole referral bonus offer from CashApp is a scam designed to dupe customers into inviting new people to join CashApp and use its service. I chose to refer my husband when he needed to send some money to a friend, and we figured we may as well get the {$15.00} referral bonus for him signing up. ( ( his info : XXXX XXXX XXXX ) ) I will include screenshots of their instructions for claiming the bonus, which I followed, and which he also followed. The very second that he claimed the referral and the bonus should have been paid we both started running into issues using the app on our respective phones. The app forced my husband into creating a second CashApp account after he sent the required payment for receiving his {$5.00} portion of the referral bonus. I later discovered this was likely on purpose so that this could be the stated reason for them to refuse to pay the bonus. 
I have screenshots of his interaction with their chat support, plus screenshots from the actions necessary to qualify for the referral bonus. At this point I am less concerned about receiving the {$15.00} bonus for me and {$5.00} bonus promised to him and am more concerned with how they are conducting their business and purposefully tricking people into believing they can receive any bonus for referring new customers. It is a fraudulent offer, at best, in my opinion. 
I can certainly provide more detailed information if necessary, please let me know if I can provide anything else you may need. Thank you for your time and assistance. ( The screenshots provided are from my husbands account as I have been locked out of my own CashApp account since complaining. )