Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

Citi closed my account in XX/XX/2018. They illegally withheld my money which I tried to retrieve over and over again for months to no avail. I wasted countless hours going to the local branch, on the phone and checking my emails. My balance was {$1900.00} and after countless promises, I received nothing. In XX/XX/2018 I filed a complaint with the office of comptroller of currency and they immediately responded and offered a {$1000.00} refund check while the investigated. I agreed because I was in desperate need of my OWN money. I contacted the representative who mailed for {$1000.00} and asked her about the rest and she told me that balance was adjusted after the account was closed. That's a joke! Not only they illegally withheld my money, and the refund check for {$1000.00} 5 months after they closed my account is evidence of wrongdoing on their part. They still owe me approximately {$900.00} and they refused to send any documents, statements or anything of that sort. I no longer have access to the account. I want my {$900.00} immediately or I'll take legal action and seek a trial by jury pursuant to the 7th amendment.
Complaint sub-issue: Account information incorrect

Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and has previously been removed and reinserted in violation to FCRA. 

XX/XX/2017, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations confirmed with the State of Maryland Division of Financial Regulation, Ms. XXXX XXXX as well as Consumer Protection Bureau via complaint filed, the tradeline, XXXX XXXX XXXX Acct # XXXX removed. 

Since this tradeline has been reinserted with additional fraudulent information in violation of FCRA. Moreover, the reinserted tradeline dates have been changed for the purpose of extension of retention and asserted delinquency. 

Consumer asserts this has been a systematic behavior and violation of consumer 's FCRA rights. This appears to remain an oppressive irresponsible tactic targeted towards consumers, derogating their financial face of consumers and limiting job opportunities.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I have been a Citibank customer for many years with a great credit and payment history. In XX/XX/2019 I logged in to my account, on the due date, and wanted to split my payment into two payments and was unable to do so. There isn't an e-mail address, which I prefer to communicate. Near the end of XXXX, before the closing date of my next month's statement, I called and spoke with someone in their "hardship" program. I explained that I wanted to change my due date because of how my payroll fell and that I would like to do bi-monthly payments. I was told that now that my account was past due they couldn't change my due date/billing cycle. The company offered me a six month program of $XXXX for six months. I again stated that I could NOT pay this amount on the XXXX of the month because of my pay cycle. However, I would pay this amount when I was paid. I set up an automatic payment for $XXXX  on my payroll date and that was taken from my account. And now because I didn't pay on the XXXX of the month that agreement is null and void. I have reached out twice more via CHAT and was told the same thing, my due date cannot be changed because I am past due. I have asked for a set monthly payment, lower rate, change my due date to no avail. I am not unemployed, but have experienced a job change with a lower annual salary and have assisted my daughter and granddaughter with living expenses this past year. Which I have shared multiple times with Citibank. I am not unemployed, I just need to be able to at least change my due date so that I can pay bi-monthly to meet the amount due each month. All the while the interest rate and late payment, not to mention my credit has taken a hit.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. 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 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigationXXXX  and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Was not notified of investigation status or results

The issue in XXXX XXXX  was : Equifax in reports XXXX, XXXX and XXXX stated on XXXX/XXXX/21, XX/XX/21 and XXXX/XXXX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XXXX/XXXX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... In XXXX XXXX XXXX XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. The specific item name and account numbers are in the attached Equifax XXXXXX/XX/21 and XX/XX/21 confirmation # XXXX XXXX and XXXX. Equifax responded to XXXX on XXXXXX/XX/21 ... A letter outlining our findings was mailed to the address on file...
Complaint sub-issue: Problem getting my free annual report

Every Year Equifax says credit reports are not available at this time online. They want you to mail in a bunch of personal information to obtain your report. This is unacceptable! I do believe they are required to provide me with my credit report with out jumping through all these hoops, the other companies do not require these ridiculous requirements. I want my free annual credit report from Equifax emailed to me at XXXXXXXXXXXX or mailed to me at XXXX XXXX XXXX XXXX XXXX WA XXXX Thank you sincerely XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

on XX/XX/2021, i sent letters to XXXX  and equifax disputing the inaccurate and incomplete items they are reporting on my credit report.i asked for verification to be mailed to me within 14 days of everyone involved in this process. because all inaccurate and incomplete items should be removed.
Complaint sub-issue: Account status incorrect

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 & XXXX BANK XXXX XXXX : {$580.00} Equifax XXXX XXXX & XXXX BANK XXXX XXXX : {$580.00} XXXX : XXXX & XXXX BANK XXXX XXXX : {$580.00}
Complaint sub-issue: Debt is not mine

Account was reinserted to credit report with my knowledge.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as o the civil liability and the remedy available to me (section 616 and 617) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Complaint sub-issue: Termination fees or other problem when ending the lease early

U.S. Bank tried to pull a quick trick and charge me for the plates that was returned on the vehicle at XXXX 'S XXXX AND XXXX in XXXX CT. They called the plate fee a lease termination payment due in which the vehicle was already returned and the account closed six months before they sent me their fake lease termination bill. Now they are starting to hit my credit with false claims that I owe them {$870.00} in which the payment has late fees etc. This banking company should be totally ashamed of their tactics. They even have the nerve to send me invoices for there so called end of lease term statements in which I immedialely file them in a round receptacle that resembles a trash can. 

On my credit report it shows all payments paid as agreed except the fake one above that they created six months after the keys and vehicle was already returned to the dealership listed above with the plates on it. Shameful tactics this banking company uses to ruin good people credit with their complete and total lies. They need to be held accountable to the fullest extent of the law.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I just filed a complaint with I.C. System, Inc. on XX/XX/XXXX to XXXX XXXX for their illegal way of collecting a debt. I acknowledged how they never called me and they never sent anything in writing to me yet they placed three negative marks on my credit ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also indicated in complaint # XXXX for this company to NOT call me, but to send the debt information in writing so that I could verify the debt, and pay it if valid. I received a call on XX/XX/XXXX at XXXX from this company. I couldn't answer at the time, but called back at XXXX and verified it was this company. I stressed how I told them NOT to call me, but to send everything in writing. 

I am unsure who this company is, but blatantly ignoring codes/ rules and consumer 's preference of no call, but send letter is COMPLETELY UNACCEPTABLE. I will continue filing to notify XXXX XXXX about the unethical business practices of this company as this needs to be brought to your attention. I am not ok with what is currently taking place.
Complaint sub-issue: Information belongs to someone else

From XX/XX/XXXX to XX/XX/XXXX, I sent several letters, each with a full attachment of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorized inquiries should be immediately removed : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

Afni, Inc. reported to the three major credit reporting agencies that I owed XXXX dollars for an XXXX XXXX XXXX account. I contacted them by phone to inquire about this dept. They told me that I owed this money for an XXXX XXXX XXXX cell phone account. I explained to them that I do n't recall ever having an XXXX XXXX XXXX account, and ask them to validate this account. They refused to do so, so I ask who owned the account, and they replied that XXXX XXXX XXXX did, so I then told them I would call XXXX XXXX XXXX. His reply was go ahead, they will just refer you back to us. I called XXXX XXXX XXXX, and spent at least 30 minutes on the phone with 3 different  departments, and they had no record of this account, searching by name, ss number, phone number. I did this twice, and spoke to different people each time. They had no record of this account. I then called Afni back, shared this info, and tried to get them to validate the dept. instead, they question me of why I needed this info, and tried to coheres me into filing a report of identity theft. They continue to refuse to validate this dept, which probably is false.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Used obscene, profane, or other abusive language

TRS Recovery Services I do not appreciate the constant harassments and threaten from TRS attempting to collect a debt that is not mine and I will not paying. I have attached my cease and desist to TRS
Complaint sub-issue: Personal information

I wanted to purchase an automobile on credit and the lending agency stated that my credit report stated that I was deceased and they could not proceed further until I got it straightened out. I contacted the credit agency they referred me to and got my credit report and nothing on it stated I had died but it did show my current credit card balances and and latest credit activity. So I called the credit agency and they stated that a credit card was cancelled in 1997 due to the card holder being deceased and that was the reason they reported me deceased even though they could see that I had current activity. I lodged a complaint to get it resolved and they stated it would take 30 days. I was not happy with the delay because it basically keeps me from getting any credit for 30 days until this is resolved. The credit agency was completely insensitive to my problem and still stated it would be resolved within 30 days. They did gave me the credit card issuer phone number and the credit card number that allegedly was reported cancelled due to card holder being decreased. I called the credit card issuer and they stated the credit card number provided by the credit agency was incomplete and they could not help me. But they did state the the numbers provided was an very old credit card. In my opinion this reporting error is due to complete incompetence on the part of the credit agency when their own current records clearly show that I am not decrease as reported by the credit card company. It is clearly their reporting error and their mistake that is basically keeping me from getting any kind of credit until this is resolved. Something needs to be done to keep this from happening to other people including credit agencies need to be required to immediately to review their own records to determine if the alleged death is remotely true based on current activity.
Complaint sub-issue: Information belongs to someone else

Hello, Please, I am kindly asking you to investigate the accounts that recently appeared in my credit report. I have never had anything with these companies but now I have bunch of unknown items that destroyed my credit report score. Please investigate them all and remove as soon as possible. Thank you in advance. Please see the report and my docs attached below.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

all 3 bureaus have reported a MEDICAL DEBT on my reports, my score dropped dramatically
Complaint sub-issue: Received bad information about your loan

I got a call from Allied Interstate LLC. Asking to get set up on payment plans for my Federal Student Loan. I was told that the payments I made go directly to my Student Loan. I started making payments of $ XXXX per check twice a month. As my pay scale increased over the years so did the amount that was taken out. At the highest I had {$250.00} twice a month taken out. After XXXX years of it coming out of my checking account it came to about $ XXXX {$28000.00}. I have called Allied Interstate company several times and was told that they no longer hold the account, and that they couldnt tell me the total that I had been applied to the Dept of Education. Other times I had called the phone would just ring then end the call. At one point they had a message on it saying if we had an account with them they no longer hold it and we need to contact the Dept of Education. Once I call the Dept of Education they reported to me that I had not paid a cent on the loan. I asked how could that be as I had it taken out of my checking account for XXXX years. I went on to Allied Interstate web page only to find that they are a third party which is what they told me. But I was told it was all being applied to my student loan. My loan was {$41000.00}. I paid it every 2 weeks from my payroll checking account. Dept of Ed informs me that they dont use a third party to collect student loans. This started in XXXX. Please help me get my money back from Allied Interstate Company. Thank You
Complaint sub-issue: Information belongs to someone else

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Complaint sub-issue: Attempted to collect wrong amount

It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent.

USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 

XXXX the lease is over car returned XX/XX/XXXX and they are reporting late. 
XXXX XXXX XXXX XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
PNC mortgage during Covid I had arrangements and all debt is paid and they continued to report. XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX MOVED/NO FORW AVAILABLE, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, 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: Debt is not yours

This company is attempting to collect debt that is not due from an old landlord. I am filing a complaint against the landlord company, and have emails to show several inconsistencies in misappropriations of funds within my account.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

My debit card account information that I receive my child support on was stolen and ALL my funds were withdrawn out of my account. I called and reported these charges were fraudulent on XX/XX/. I filed a police report on XX/XX/ as well. I have called several times trying to get information about when I will receive my money back and was told it could take 90 days. Today XX/XX/ I called to follow up on the investigation on the account and was told my claim was denied due to " similar account activity '' My account was drained out of New York I live in Kansas have never been to New York. I am a single mother on a tight budget. This was my child support money to take care of my XXXX kids. This has put a major strain on me and my family. I need my money that was stolen from me back. I have proof I was NOT in New York.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.
Complaint sub-issue: Trouble with how payments are handled

I have a consolidation loan with PHEAA who conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. I am a federal employee and have been paying my student loans under the XXXX XXXX XXXX XXXX program for almost 10 years now. PHEAA does n't show on my loan status most of my payments toward XXXX. I should have more credited payments than they are showing.