Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

my citibank debit bank card ( linked to my checking account at that bank ) was stolen while i was on vacation in XXXX, when i realized my card was missing i went online to check my account, there was {$4800.00} in unauthorized charges debited from my account, the charges were as follows ... at XXXX, 1 transaction the amount of 4,000.00. 2 atm withdrawals 1 for {$300.00} the other for {$280.00} and one more transaction for {$200.00} done at some place called cgn. i immediately called my bank to report the unauthorized charges. next i went to the police station and filed a police report for the stolen card and unauthorized charges. the charges all took place in XXXX XXXX california, but my card was stolen while i was in XXXX which is only 30 miles from the XXXX XXXX XXXX border. the bank because the transactions took place in the united states the XXXX police could only include the actual theft of the card in the report because the card was stolen while i was in XXXX. citibank denied my claim stating their reaso as being that the charges were consistent with my normal banking habits. not true as i had just recently opened the account where i deposited {$5000.00} cash, and paid a phone bill via online billpay. there were no other transactions done by me with this account. in citibanks denial letter they state that they dont use video from atm machines or other places to conduct their investigations. thats like a homicide detective saying they dont use DNA while investigating homicides!. so i appealed that decision. only to be denied again. their reason was the same as before. they also froze my account right after i appealed the first decision.
Complaint sub-issue: Information belongs to someone else

Equifax continues to report an account that opened by someone who stole my identity. It was deleted from the other bureaus quickly. Not only is Equifax violating the FCRA and FDCPA they continue to verify the account without proof as requested by me the consumer. I refuse to take their word for it. This company has been breached several times and my information was compromised every time. My confidence is low when it comes to Equifax and I'm beyond frustrated with trying to rectify a simple issue of an account being removed that is unverifiable. XXXX # XXXX is not my account and can not be legally verified as such.
Complaint sub-issue: No notice of investigation status/result

I disputed a bankruptcy dismissed on my credit reports ( Equifax, XXXX, XXXX ) starting on XXXX XXXX 2016 and they all have reported it as verified. I provided them with documentation showing that the bankruptcy court does not report to the credit bureaus and requests under the FCRA sec 609 for there validation procedures and FCRA sec 15 as my disputing the validity of the account. Equifax and XXXX are reporting them as valid and XXXX is refusing to reinvestigate stating that unless I provide them with more evidence they are not going to reinvestigate. I have not been provided with any documentation stating that this debt is mine or with my signature I need this removed immediately so that I can refinance my home loan. they have no way of providing proof of this account and just looking up a case ( docket ) number is not validation that this belongs to me, I have signed certified mail receipts from all XXXX credit bureaus and reports stating that they verified this but no proof that this debt is mine. Please help me to get these removed. they also did not mark my account as disputed within the 30 day time frame which is a violation of the law if it is not marked as disputed then they have to remove it. I have talked to all XXXX agencies on the phone and have been hung up on by the out of country reps ( XXXX, XXXX ) and also the American reps in Nevada especially when I ask for an American Supervisor which I feel is very unprofessional. This account is not associated with any of my personal accounts and has no money attached to it, please help me get these removed off of my credit reports. Thanking you in advance for your support. 

XXXX MD XXXX SS # XXXX PH. XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ive never authorized XXXX XXXX to check my credit i do not have an acccount with them they and equifax REFUSE to help me to remove from report!
Complaint sub-issue: Information belongs to someone else

I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate account on my credit report. To this day over 90 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. Equifax has violated my rights. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.
Complaint sub-issue: Information belongs to someone else

At the end of XXXX of 2020, I received a notice from a website I use called XXXX that a new account had been opened in my name. It was a Best Buy account, which immediately I knew to be fraudulent, as I have not set foot in one for over 2 years. I immediately contacted the credit company to let them know about the fraudulent account, and did what I could to freeze my credit report to prevent further fraud. I was not informed that I would also need to file a police report and notice with the FTC about the stolen identity, and as this was my first time, I was completely unaware of how to do so. Once I took that action, I waited to hear back. The Citibank and Best Buy people reviewed my account and decided I was lying, so they reopened the account. I then contacted XXXX   and XXXX  to get them to remove the account from my credit report as it was fraudulent. XXXX  did it no problem. XXXX   refused to do so and continues to refuse to do so, and also refused to provide any insight as to what I can do to fix this fraudulent account on my report as they think I'm lying.
Complaint sub-issue: Received bad information about your loan

My complaint is with the Federal Loan Forgiveness Program. I qualify for the 10 year repayment part, work for a XXXX XXXX and filed for forgiveness. I was denied, saying I never kept the loan under the Stafford Loan for the entire time. I never had a choice in this. It was sold to XXXX XXXX and then to XXXX. I had no say in this. They said I agreed when I kept paying. How am I just going to stop paying my bills? I know I'd get garnished and sued by the government if I did. Just stupid. So now, being a model citizen and hard worker paying my bills doesn't help me at all with this program. And the program is to be for us, but basically is a sham not helping hardly anyone in reality.
Complaint sub-issue: Overdrafts and overdraft fees

Hi there, This morning, I got a notification that my saving account at PNC bank has an overdraft. I then logged on my online banking and found out {$36.00} Returned Item Fee was charged due to an autopay of {$0.00} to my XXXX credit card on XX/XX/XXXX. I immediately contacted PNC and raised this issue. They refused to refund the fee. There is no notification of the {$0.00} overdraft until the {$36.00} Returned Item Fee was charged. It is very unfair to a client like me. Other banks I have accounts with, like XXXX bank, even if the account has an overdraft, they will notify me immediately, so I can transfer money in and correct it ASAP. Moreover, they can simply deny the transaction if my account has insufficient fund. It is a rip-off of charging {$36.00} fees for an overdraft of {$0.00}. Please help me get the refund for the {$36.00} Returned Item Fee. Thanks in advance for your help.
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX I sent a dispute letter to XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. Equifax is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi I have made XXXX purchase on XX/XX/XXXX and the same was not working/defective and i had to return subsequently. 
i was asking for the refund from citiback credit card and they are not helping me. 

I need your help here.. 



Below is the latest info from citiback for my {$390.00} refund amount. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Citi ( R ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXX We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. Please understand that Citi does not set these timeframes and we are unable to extend them or reopen a claim once this date has passed. We no longer have any options available to pursue a credit on your behalf through the dispute process. 
We regret that we are unable to assist you in this matter. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT ************************************************************************************************ I also providing further info that XXXX has settled the matter with citibank as below : -- -- - Original message -- -- - From : XXXX To : XXXX Cc : Subject : Re : Order : XXXX Date : Mon, XX/XX/XXXX XXXX XXXX Hello, We received your email about order XXXX. We have researched this matter and confirmed that the dispute in question has been resolved between XXXX and your card issuer. Therefore, we will not be able to reimburse you. 

Please contact your card issuer for more information about reimbursement for this purchase. In the future, file an XXXX XXXX claim to resolve any issues related to XXXX XXXX purchases before contacting your card issuer. For more information, see our XXXX XXXX FAQ ( XXXX ). 

We can not help you further with this problem. 

Sincerely, -- - XXXX Account Specialist XXXX XXXX I also confirm that the seller has confirmed that he has approved to issue credit to me as below : Order ID XXXX : Message : Dear XXXX, We confirm that the refund has been initiated on XXXX and our system shows that we have fully refunded you {$390.00}. 
Please find the attached screenshot of your order. 

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

I initiated a dispute in XX/XX/XXXX for a fraudulent purchase on my credit card ( CITI ) for {$170.00}. The purchase was made online with a company called XXXX. The product I did not order arrived at my address. First of all, Citi failed to notify me of any resolution to my dispute via mail or phone. I contacted Citi when I saw the {$170.00} charge back on my account. It was explained to me that I am responsible for that amount because the product ( that was purchased fraudulently ) arrived at my address. I tried to work with Citi and contacted XXXX. Their reply was simple, they are not responsible for fraudulent activity used to purchase their products and would n't even provide a return label to send the item back. After receiving an electronic copy of the investigation that Citi performed for my dispute, I contacted them letting them know that the phone number, IP address, and email address, that they used as evidence to show that I am responsible for the charge, was incorrect. The only response I am getting from Citi now is that the case is closed and there 's nothing they can do, I have to pay the charge. Why is there no appeal process and why was the decision made so quickly and without contacting me to verify my information instead of assuming that it was me and holding me responsible for a purchase I did not make?
Complaint sub-issue: Their investigation did not fix an error on your report

I received a notification that a change was made to my Equifax credit report, upon checking I noticed there was a negative debt added on XXXX XXXX, 2017, to my credit report. I requested information from the credit bureau ( Equifax ) and submitted a dispute. I received an email from Equifax two weeks later stating an investigation was completed and they determined the debt belonged to me. I requested information they used to determine their investigation but I was told they would n't provide investigation details. <P/>I contacted the collection agency who submitted the debt to Equifax to request proof that the debt belonged to me. The information I received from the collection agency clearly states a different social security number, address, phone number, marital status, ethnic status, etc. Everything reported ( with the exception of my name ) was completely different. Equifax, the credit bureau did not conduct a thorough investigation and is listed this debt on my report despite that fact that all of the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Complaint sub-issue: Their investigation did not fix an error on your report

My information was stolen in a data breach and now I have multiple accounts on my credit report that are not mine and I did not authorize. I filed a police report, filed identity theft and disputed all items with all 3 credit bureaus. The credit bureaus keep saying that the companies verified it as valid which I don't understand how that is when it was not me who authorized the opening of them. They refuse to help me and keep telling me to call the companies the accounts were opened with and I have multiple times and they're no help either.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. 


XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX BANK Account # 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: Their investigation did not fix an error on your report

late payments remove now!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late XXXX must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. 
I have been disputing these items since the pandemic and have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX  where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. 
Thank you XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Sent Letter Out Equifax since XX/XX/2022, I have not gotten an update from XXXX about XXXX XXXX XXXX. XXXX is not mines
Complaint sub-issue: Public record

I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2018 I disputed Accounts XXXX XXXX And XXXX with Equifax credit bureau. I disputed these accounts under FCRA section 609 ( a ) ( 1 ) ( A ) to disclose all information and FCRA section 611 ( a ) ( 1 ) ( A ) A consumer contract with my signature on it. I called Equifax on XX/XX/2018 to check status on these accounts and they said these accounts where Verified on XX/XX/2018 and did not disclose any information as was requested and didn't send any documents which is noncompliance Section 617. So I wrote another letter on XX/XX/2018 Under section 609 ( a ) ( 1 ) ( A ) and FCRA section 611 ( a ) ( 1 ) ( A ) for the same accounts XXXX XXXX and XXXX. I sent this letter certified and tracked it Equifax received this letter on XX/XX/2018 @ XXXX. The mail Receipt was received and signed by XXXX XXXX and dated for XX/XX/2018 and sent back to me as I requested. I noticed my online Equifax did report did not update in the remark box stating dispute. So on XX/XX/2018 I called Equifax and asked if they receive my dispute letter they said no. On XX/XX/2018 I called Equifax back to verify if they receive my dispute they said no. I notice no update on my Equifax Subscription so on XX/XX/2018 i called Equifax and asked if they receive my dispute they said no. I called XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, And today XX/XX/2018 and even spoked to a supervisor and no dispute had been started yet. I have evidence that they receive my dispute. I will be showing documents of the dispute letter and the certified letter mail receipt signed by someone from Equifax.
Complaint sub-issue: Account information incorrect

EQUIFAX AND XXXX  AND XXXX ARE FALSELY REPORTING XXXX XXXX US DEPT OF ED. NOXXXX. ON XX/XX/2019 THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED BY CONSUMER. SEE ATTACHED.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I opened a business credit card with US Bank on XX/XX/XXXX where the terms were that if a spending threshold of {$4500.00} was met within the first 150 days, a bonus would be given valued at {$500.00}. 

Having tracked my spending with the tool provided by US Bank ( Spend Analyzer tool ), I believed that i had met the spending threshold on the credit card before the expiry date. After some time, I inquired with US Bank as to when I might expect the bonus credit to be applied to my account and I was told that I had not met the spending requirements. 

I told them that according to their own online tool ( Spend Analyzer ), I had surpassed the {$4500.00} spend requirement. After looking into it, they told me that there were some credits applied to my account that thus didnt count towards the spend requirement, even though these credits are in no way reflected in the spend analyzer tool. So in theory, one could spend {$10000.00} in purchases on the card, and let 's say you returned {$9000.00} worth of the merchandise due to a defect. Well, in their own tool, that {$9000.00} would be unaccounted ( there is no mention anywhere that refunds/credits are not captured in the tool ) and the 'analysis ' of your spending would show that you spent {$10000.00} on the card. 

I told US Bank that I thought this was misleading since they advertise this tool as an accurate accounting of transactions on the card, and was basically dismissed. I then told them that I would be filing a CFPB complaint against them and was told the matter would be referred to the president 's office and I would receive a response within 15 days. That was on XX/XX/XXXX and to date, I have not received a follow up response.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting closed and paid in full XXXX XXXX card to all credit bureaus Equifax, XXXX and XXXX as missed payments which drops my fico scores dramatically keeping it in the negative with other possible financial creditors. Why is this reported four times its paid its closed. XXXX XXXX is saying that XXXX XXXX gives them the information to report and they do it and get paid for it. This is unprofessional and fraudulent activity. As a woman this is discriminatory toward my gender and a person of XXXX as I have on many occasions as for a resolution and the answer is not resolved. These practices must stop. Iam asking cfbs to take the most aggressive steps to stop is egregious behavior towards correcting my credit accounts reported as I final step I will seek legal action for assistance.
Complaint sub-issue: Debt is not yours

As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
Complaint sub-issue: Reinserted previously deleted info

I previously disputed XXXX accounts to the equifax in XXXX, that was listed under this same company who has changed their name of XXXX and now calling themselves XXXX as a way to keep a debt that was closed in XXXX and discharged XX/XX/XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX, Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX aka XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the Equifax credit reporting agency and affiliates are still showing this as a collection on my credit.
Complaint sub-issue: Reporting company used your report improperly

According to trustedidpremier.com, my information was included in the Equifax leak. Their irresponsible handling of consumer information is a travesty that will have a huge impact on countless families. 

Their offer of simply 12 months of credit monitoring service is merely a Band-Aid on this terrible problem they caused through their lax security.