Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

The Credit bureaus stated Account Name and Account #, was properly investigated but how is that possible if the open dates are inaccurate, and date last reported is not accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 2 ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they recieve my disputed.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the consumer file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Car dealership was present with credit approval from XXXX XXXX and what going only go with them and ran my credit without my consent with other options. I told them that and showed them that i was approved already with XXXX XXXX for a certain amount. 
They ran my credit through XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Investigation took more than 30 days

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Complaint sub-issue: Company closed your account

I open a Citi bank account and made a couple deposits and i got my atm card and out of nowhere my account its frozen and i called and they told me that my account was goi g to be close due to Fraudulent activities which they couldn't dnt tell me but i only deposit cash i to the account so i went into the branch and i explained what had happen and that it was fine to close my account byt i wanted to get my money back and they gave me a phone number to call and i haven't had an answer to my questions yet nor my money back i called them several time s but its always the same tjing all i want is my money back
Complaint sub-issue: Information belongs to someone else

This corrupt bank still held my account open after they allowed fraudsters to take all my money. Originally, they told me that it was closed in 2018, and that I had to go to the branch to open a new account. However, I declined because my money was never safe with them. Fast-forward to today. I receive a reimbursement by accident to the old Citibank account, and the ACH transaction does not bounce back. I call in to receive some of the worse customer service and incompetence ever. These people who they hire at the call centers never use simple logic. They are telling me that I have to go to a branch to resolve this when I live 7 states away to the closest one. Then to top it off, I can't cancel the account and get a refund, so Citibank is holding my money illegally in an account that should have been closed when the fraudulent transactions took place. I was able to remove all other associated accounts that went into the negative on my XXXX   because Citibank 's lax security on bank accounts, but I am working on the 2 other credit bureaus. They are terrible and I don't even care about the money anymore, just close my account and delete my personal information. I don't want to be associated with this terrible institution anymore. They don't value their customers.
Complaint sub-issue: Deposits and withdrawals

This complaint is made against BB & T Bank in that the bank froze accounts belonging to [ Fiance Name ] to support their clearing of an out-of-state check made out to [ My Name ] and put into her account on XXXX. The bank put a 3 day hold on the check and cleared same on XXXX as a courtesy to the customer. The customer was trying to verify the check was a good one and relied on the bank to hold same until funds cleared to ensure its authenticity. The customer/consumer was not aware of what processes the bank used by which to release funds and did not ask for any special or courtesy accommodation in authenticating the check. 

Point 1 : According to the Federal Reserve Bank, a reasonable length of time for an in-state check to clear funds is determined to be 24 hours and at the most 72 hours ; Point 2 : According to the Federal Reserve Bank, a reasonable length of time for an out-of-state check to clear funds is determined to be at least 5-7 days and sometimes up to 10 ; Point 3 : Items 5 and 6 are usually those relied upon by a consumer making a deposit ; Please see attached COMPLAINT. I have all supporting documentation.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so
Complaint sub-issue: Account status incorrect

In XXXX, I was saddled with debt that included unsecured credit card debt, auto loans, open revolving accounts. 

From XX/XX/XXXX until now, I have faithfully retired all of the credit card debt except one, paid off an automobile, paid down the second car to {$2000.00}, and continued to pay EVERY debt on time-EVERY debt paid on time. 

However, instead of a steady improving credit score, my credit scores constantly go up and down even when there is zero change in debt load and all payments required are paid on time. 

From the credit reporting agencies, I receive daily requests advising me to apply for unsecured credit cards as a way to improve my credit scores-the polar opposite of what I want to do-acquire more debt. 

This is really a consumer nightmare : to work feverishly to improve credit scores only to receive up and down scores that are inexplicable. 

With a credit reporting system that hustles for credit card companies and does not reward debt reduction and on time payments-repeatedly, a consumer does not stand a chance. I am trying to qualify for a mortgage and for some reason unknown to me, my credit scores are not improving. Why? 

Please investigate and note my payment history since XXXX until now and tell me why my credit scores do not reflect my on-time payments and debt reduction.
Complaint sub-issue: Problem with direct deposit

I've attempted to call " Direct express '' debit XXXX company for a week to set the pin number for a new updated card that my Social security XXXX funds are sent to and after a HOUR wait or more every time i call, ( 6 days ) nobody ever answers and their website is worthless also. Every time you sign in to their site it fails to remember your password and you have to spend hours waiting for their page to send you the reset page by email in order to begin resetting it. ( if they bother to even send it ). The site remembers your ID information but makes you TRY to reset the password every time. These people need to be investigated and someone else more responsible needs to be in charge of this system. Now i can't use my new card to access my money for groceries or pay my bills because these sorry fools have been put in charge.
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company has filed information that has damaged my credit ( XX/XX/2013 ) amount {$440.00}.
Complaint sub-issue: Trouble with how payments are being handled

On  XXXX   XXXX ,  XXXX , I was approved for a {$680.00} monthly IBR payment based on my tax information and ability to pay  (  see attached letter ). My status has not changed since that time.     I have paid {$680.00} each month using the  Direct Debit  feature ( see attached document ). Occasionally, I will pay a little bit more in monthly finances allow.     My most recent Monthly Statement indicates I continue to owe {$680.00} per month under the terms of my IBR  Plan   (  see attached letter ).     FedLoan Servicing unilaterally and without warning/notice increased my monthly  Direct Debit  amount to {$1300.00}.     If there was supposed to be a change, FedLoan Servicing did not send me any emails or letters. The last account-related email I received was tax documentation  XXXX   XXXX   XXXX  see attached ).     I wrote and demanded an explanation on  XXXX   XXXX ,  XXXX  ( see attached document ). FedLoan Servicing failed to respond. I sent a followup email on  XXXX   XXXX ,  XXXX . The reason I wrote was because I wanted any and all explanations in writing in case this happens in the future or in the event a service representative reneges on promises or assurances  (  unfortunately, this is common with student loan companies ).
Complaint sub-issue: Information belongs to someone else

I 've called several times and tried on several occasions to submit a dispute online and phone. I never received a confirmation number for my online request. When I called on  XXXX -17, the representative said their is no record of my online complaint there is only a disputed letter from a credit repair company I 'm no longer associated with as of  XXXX -17. My dispute is different from what the credit repair company submitted and it involves  XXXX  accounts which I am not the authorized user. My father and Stepmother have spoke to the credit card companies to ensure my name is not listed as an authorized user and in each case both companies confirmed I am not an authorized user. The confusion comes from me and my dad sharing the same name. The other  XXXX  credit bureaus are reporting this correctly. This is company is not helping me remove these  XXXX  accounts. I spoke to a representative who took my phone dispute and she never provided me a conformation number or she stated I would receive it via email. I 've yet to receive it. I check online, my request is not found. I need help. The  XXXX  accounts in question are  XXXX  ending in  XXXX  and  XXXX  beginning with  XXXX .
Complaint sub-issue: Account opened as a result of fraud

A fraudulent account was in process of being opened in my name and PNC Bank has not given me written notice that the account is closed, inactive, and will never appear on my credit report. I sent an FTC Identity Theft letter and never received any response.
Complaint sub-issue: Problem with rewards from credit card

XXXX for period XXXX showed balance of my rewards as {$81.00}. It was after credit of {$14.00} was made on that statement, which means that the balance of rewards was produced after that credit. the next statement for the period XXXX showed a balance of rewards of {$81.00}. I have not used that card until XXXX of XXXX. That statement for the period XXXX failed to indicate of what was my previous credit balance and indicated only my " new balance '' for that period which obviously included year XXXX only {$10.00}. When I called today the credit card company ( i.e., XX/XX/XXXX ) and talked to a lady by name XXXX, she told me that the balance is only {$73.00} and deductions were made for those XXXX credits mentioned in previous statement?! Such huge deduction was unjustified and unfair. That last statement with {$10.00} credit indeed shows a deduction of {$9.00} for a fraudulent charge to my credit card but that deduction does not justify that judge reduction in my rewards balance!
Complaint sub-issue: Account information incorrect

your agency reported this derogatory account without following the federally mandated procedures, your agency has bypassed your mandated allotted timeframe to respond and failed to validate the debt, as well as the several other violations mentioned above. Reportthatthedebtisdisputed and remove this account from my credit files. I will file civil lawsuit against any and all companies and/or agencies that assist XXXX in continuing to violate my Consumer Bill of Rights, Fair Debt Collection Practices Act and the Fair Credit Reporting Act that cause undue, unjust and derogatory effects to my credit. I will bring acivil lawsuitagainst XXXX XXXX statecourt. I will prove XXXX XXXX violatedtheFDCPA. I will collect {$1000.00} in statutory damages, and more since you have negatively affected my credit score after I have been diligent in maintaining a high credit rating and have suffered harm from your violations. This account has been removed 4 times and has bypassed the allotted timeframes. They never validated this debt and can not come back 5 collection agencies later and multiple collection agencies at the same time and still attempt to collect an an incorrect amount with an incorrect account number with incorrect information with invalidated information. This is ridiculous to do this every year. Mind you all these letters are certified and proof that your agency removed this account MULTIPLE times in 5 years And keep adding it back
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A section 2 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Debt was result of identity theft

Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX XXXX XXXX   were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report. 
Now, XXXX XXXX are trying to collect the 'non ' debt.
Complaint sub-issue: Filed for bankruptcy

My niece used my credit card without my permition a year ago. I reported it to Discover Card and sent them the police report and nothing was done to alleviate those charges from my discover credit card. In addition I filed chapter XXXX Bankruptcy on XXXX XXXX, and this account was included under the protection act of Chapter XXXX Bankruptcy. Under this act, my debt are protected by law. Doing this time, the debt would not be reported or collected. Discover Card reported debt that didn't belong to me, per the police report I submitted, stating that my niece stole it and ran up my credit card. I made a police statement concerning the matter. I would like Discover Card to delete this account from my credit file as soon as possible.
Complaint sub-issue: Debt is not yours

Hi XXXXERC ; For the last 30-60 days, I have been writing and getting on the phone with this company to resolve unknown debt on my name. I even talked to several representatives and they mentioned that they don't even have my social security number or DOB associated with this account. Therefore, I request that this be removed or provided all the details shown on the attachment emails I've sent to them. I was shocked that you guys still pre-printed all the templates of statements and send it to me. This is not a true validation of debt as described by law.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022 ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$860.00}.
Complaint sub-issue: Fee problem

Deliberate fraud performed by Citibank on a simple checking account. 

Direct deposits, Checks and even cash deposits were delayed precisely 4-5 days before scheduled auto-pay bills such as water/electric/credit card bills The deposits displayed in said available balance were actually on hold. In investing this, I made a counter deposit in cash with a check on the same day as a direct deposit from work was scheduled.

The scam is ... Allowing 2 attempts from any pre-authorized auto pay to fail which incurs {$70.00} in penalties, the third attempt is accepted authough funds have not been release, incurring {$84.00} in penalties The pre authorized payment along with all fees are placed into a strikingly high interest rate overdraft account. 

The result is your checking account appears balanced and the overdraft account doesnt just rake money in. 

Its hidden from paper statements, if enrolled in online statements the account doesnt exist and online it was not displayed as a dept The worst part is how payment delays coincide with autopayments. Which is the only reason I deposited cash, checks along with an instant direct deposit 6 days before my XXXX bill would hit. 

It took two months, cancellation of my overdraft account. Directly instructing the bank to deny any charge that would cause an overdraft so I could manually manage payments.

Credit score went from XXXX to XXXX over 2 months and this was just a personal account. 

That would not be fair to other people as this must be a large scale scam. Arguably 12-20,000 was stolen in a few months. Which I actually paid. 

Most people would be 100 % trapped in debt and nearly cost me one of my businesses. 

A refund, along with withdrawaling/correcting information to credit organizations is required
Complaint sub-issue: Banking errors

I was lured into opening an account with new money by a promise of XXXX bonus after completing a certin time and the bank has gone over that promised time and have not kept their part of the deal, i still dont have the money after they have held my in money for over 5 months
Complaint sub-issue: Their investigation did not fix an error on your report

I have had several loans for jeeps in the last XXXX years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX XXXX closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
Complaint sub-issue: Billing dispute for services

I OPENED AN XXXX XXXX ACCOUNT. I CANCELLED IT XX/XX/2020. I deleted my credit card information from the XXXX XXXX information at the same time as closing the XXXX account. XXXX sent confirmation emails of the closing of the XXXX XXXX XX/XX/XXXX and XXXX. But they billed my credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I tried to contact XXXX, but b/c my account is closed I can not get into their system any longer. I contacted Discover XX/XX/XXXX. They did nothing. I contacted them again today when i saw the new XXXX charge. They have given me provisional credits. But if XXXX doesn't agree, those charges will be reinstated by Discover. 
I also complain about how very difficult and complicated it is to close an XXXX XXXX account. A " help '' website for the problem states it requires 15!! fifteen steps. I think this is a clear sign of abuse of their consumer services. I represent elderly people and this is exactly the kind of misleading abuse that causes people to be overcharged and give up trying to fix it.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Discover account number XXXX XXXX XXXX XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. 
This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502
Complaint sub-issue: Problem with fees

Annual fee for the Citi Premier card posted on XX/XX/XXXX for {$95.00} for second year of card ownership. I called Citi in EARLY XXXX within days of the annual fee posting to downgrade my card to a {$0.00} annual fee Citi Custom Cash card and was told that I would be getting a FULL refund of the annual fee. That was not the case as I was only recently credited the amount of {$79.00} on XX/XX/2023, MONTHS after the fee posted. This is contrary to what was promised, and I should be owed {$15.00} plus interest as Citi had held the funds for nearly two months. This is unacceptable and deceptive business practices.