Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

I had 2 Citi credit cards. The Citi Prestige card and the Citi Premier card. The Citi Premier card was due for renewal, so I decided to downgrade it to a no annual fee card and keep the Citi Prestige. I called Citi Customer Service on XX/XX/2022 and spoke to a supervisor named XXXX from team XXXX. The purpose of my call was to combine my XXXX accounts, then downgrade the Premier card to the Reward Plus card. This way, I would not lose the ability to transfer points to airlines and prevent the combined points from having an expiration date. I explained to XXXX what I wanted to accomplish on the call. XXXX was helpful and worked with me for almost an hour to make sure things were done as I requested. He confirmed the following : XXXX. Citi Premier XXXX account was transferred and combined with my Citi Prestige XXXX account. XXXX points were combined with my Citi Prestige XXXX account for a new balance of XXXX points. I did notice the balance that was being reflected online was XXXX points ( this was before my XXXX statement was generated ), but he said it would be reflected within XXXX hours. 

XXXX. He confirmed none of the new point balance would have an expiration and that I would not lose the ability to transfer any of the points to airlines. 

Today, I checked my Citi account online and noticed that XXXX points were expiring on XX/XX/2022! Please see screenshot attached. Also, I did not see the point balance of XXXX points was more than XXXX points. 

I called Citi and spoke XXXX XXXX XXXX, who was very unhelpful and claimed that there was nothing she could do about the expiration! She claimed that they needed to listen to XXXX 's recording for the next step. I asked about the point balance, but she wasn't willing to help.
Complaint sub-issue: Attempted to collect wrong amount

I disputed and they come back is correct nothing in writing has ever been received. This debt is definitely not correct. I keep saying I owe just not the XXXX nobody has provide a breakdown of amount my original signature or anything.
Complaint sub-issue: Debt is not yours

I DO NOT have a Fed Loan? why is this on my credit report. I have never signed paperwork for any fed loan in the last 30 years? please have this removed from my credit. I have gotten calls from them and they said I would be removed from this????
Complaint sub-issue: Company closed your account

I called in XXXX and requested that I be able to move my credit limit from two of my citi accounts ending in XXXX and XXXX to my XXXX   card XXXX. When I spoke with this person in the other department I was informed that I could not move the credit lines from the two other accounts and to call back and try again after the statement cut said okay and hung up. I WENT ONLINE TODAY AND DAY THAT THIS AGENT CLOSED MY ACCOUNTS WITH OUT MY AUTHORIZATION. 

I AT NO TIME SAID YES GO AHEAD AND CLOSE MY ACCOUNTS I WAS NEVER READ A DISCLOSURE I HAVE THE ENTIRE RECORDING MYSELF I SUGGEST THAT YOU GO PULL IT!
Complaint sub-issue: Information belongs to someone else

Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.
Complaint sub-issue: Sued w/o proper notification of suit

I have received XXXX civil summons in nc from the same debt collector and they are also a law firm ... is this a type of intimidation ... I got summons afther summons from the same place. I was n't even informed that they were about to summon me
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX CARDS XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The first problem I had with this company was that they issued the loan I was approved for 30 days late. The official start date of the loan came before I actually had the funds. I pursued the company through the legal realm and they never responded to multiple letters. They actually withdrew my first payment on the day I received the loan deposit! Then they did not factor this into my payment schedule and would not adjust my loan payment dates, I contacted them SEVERAL times about this, yet they refuse to do anything about it. The conversations were demeaning to me. They made threatening and harassing phone calls to my co-signer which caused my character to me defamated. They also took my money after making a large lump sum payment during the Covid-19 lockdown that was supposed to stretch out over 3 payment cycles and by mistake added to my principle balance so it looked as if I was not paying on time during this time, when I was clear the payment was for the next 3 payment cycles. I talked it over with them several times, yet they have NOT corrected this on my credit. It is very hard to get in contact with the department who handles any of their credit reporting, they do not receive direct calls.
Complaint sub-issue: Reporting company used your report improperly

Iam a Natural person, I am living human being, i have the rights under 15 U.S.C. 1681. 

Equifax i govern by the 15 U.S.C. 1681. And they violated my rights numerous of times. I demand the Accounts listed below be REMOVED because : According to 15 U.S.C. 1681 : I have the right to PRIVACY and I did not give Equifax written Permission to Furnish these Accounts : Inquiries : 1. XXXX XXXX Date : XX/XX/2022 2. XXXX XXXX Date : XX/XX/2022 Accounts : Account Numbers : 1. XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX ) XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXXXXXX 6. XXXX XXXX  XXXX
Complaint sub-issue: Company closed your account

My account ending in XXXX was on a payment plan to make {$70.00} payments every XX/XX/XXXX of the month for three months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.I was informed twice that the account can not be negative for longer then five days, ( the calls are recorded ). My account went negative on the XX/XX/XXXX {$10.00} and was closed on the XX/XX/XXXX. I called all numbers and was told it was closed in error and is out of their hands to open it and it would still be sent to the XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit Bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if open date is inaccurate, the No. of Months ( terms ) is inaccurate, date last reported is inaccurate, and date last active is inaccurate. XXXX also re-aged my account. This is all grounds for removal.
Complaint sub-issue: Debt is not yours

To Whom it may concern, I recently challenged the validity of I.C. SYSTEM, INC ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.
Complaint sub-issue: Reporting company used your report improperly

Due to the Equifax security reach, my personal information has been compromised and I was not alerted about this personally, but via the news/internet. They know how to reach those impacted and put the onus on the victims of potential identity theft. I checked via their website and found that my information was stolen, and could be used.
Complaint sub-issue: Card opened as result of identity theft or fraud

I became aware of this fradulent account in XXXX. 

Since XXXX I've been trying to work with Discover, asking them to validate this information and provide me with any information they have that they believe shows them that this account belongs to me. 

Since that time, they've sent me reams of card statements and have made claims that they've conducted investigations where : 1. They approved an account but didn't open in for 6 weeks. 
2. They responded to a stolen credit card and provided the account holder a new one. 
3. They didn't mail account statements the first time around, they emailed them, but won't share the email address that was used to deliver said accounts. 
4. They claimed they called me and talked with me to verify the accounts, then claimed that they talked with me again in XX/XX/XXXX ; which they couldn't have because I suspended my cell phone access in XXXX when I left DC to go work on a senatorial campaign ( info with which I've shared ). 
5. I've provided them with an ID theft affidavit with police report number from FTC, yet they still continue to report this account to XXXX. 

All I want is to see the information that I've requested since XXXX ( I've attached the most recent series of correspondences ) and help them clear up this matter. The fact that they won't share this information concerns me because then they are willfully sharing incorrect and damaging information about me
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several credit inquiries from multiple companies. I contacted Equifax to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issued, Just an unauthorized inquiry. The information is still on my report and i cant get any help from Equifax or the companies.1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX/XXXX/XXXX/XXXX 8.XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified collections isted below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Complaint sub-issue: Other problem

I co-signed on a credit card issued through Discover for my daughter. My income and credit score was used to approve the account. I was not notified that my daughter had failed to make payments and was not given the option to make the missed payments. My mailing address was used for the credit application and did not change at any point. I have not received privacy disclosures or any correspondence related to consumer protection notices. 

The account was marked as late over 30 days and negatively affected my credit score by XXXX points. Discover should not allow for only XXXX person to receive notices of late payments or privacy notices.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Old information reappears or never goes away

For the past 2 months, I have been writing letters to all 3 bureaus Equifax, XXXX and XXXX including the creditors and to no avail they have not followed the FCRA consumer laws and have been sending me generic stall letters when I asked for them to send me a contractual agreement bearing my signature, they have failed to do so and did not update my credit profile or remove the item in the 30 day timeframe they have to complete their investigation. There are items on my credit report that is duplicated, unverifiable, outdated and inaccurate and they have not attempted to do or remove anything. I am filing a complaint because this is my last attempt to get them to abide by the rules of the Fair Credit Reporting Act before, I take my complaint further as I have already been in contact with FCRA attorneys.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate the remaining disputed account in my credit report. As of todays date, Equifax and XXXX have not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$0.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And all inquiries, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted Equifax, XXXX, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
Complaint sub-issue: Account information incorrect

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have many credit inquiries on my credit report that I NEVER authorized or approved. I been battling with identity theft for some time now and these inquiries are not any that I inquired about MYSELF nor did I approve anybody else to act on my behalf to obtin these inquiries. ALL OF THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE. THE INQUIRIES ARE : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ALL OF THESE INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND SHOULD BE REMOVED ASAP BY ALL CREDIT REPORTING AGENCIES THAT ARE REPORTING ALL OR ANY OF THESE INQUIRIES.
Complaint sub-issue: Information belongs to someone else

THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.
Complaint sub-issue: Unable to open an account

I went to open an account online and was denied. I then went to the branch and they said Ive had multiple accounts with PNC of which Ive never had one, ever! 

The branch manager gave me a non working number with a XXXX area code to the executive team. 

Ive been a victim of indentity theft before but I have no information about PNC accounts and branches are less than helpful. 

I would like to Open the PNC Virtual Wallet performance account that I should be entitled to as a new client.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX, a debt collection company EOS CCA placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX XXXX  beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost 50 points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to XXXX for taking 3 days to try and resolve a dispute going back 5 years ago.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously submitted a complaint regarding identity theft and provided a Police Report and an FTC Report. The fraudulent 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 this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? These accounts do not belong to me. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.