Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem making or receiving payments

Dear Sir/Madam, The basis of this complaint began when I erroneously forwarded a XXXX XXXX Bill Pay payment to a closed Citibank account No. XXXX ( XXXX ) on XX/XX/XXXX in the amount of {$50000.00}. The closed account was for a mortgage and equity line that had been satisfied XX/XX/XXXX to the best of my recollection. The Equity Line ( XXXX ) remained open until XX/XX/XXXX. Proof that the payment was sent by XXXX XXXX is attached as Exhibit A. 

I have tried now almost a year to have this money wrongfully held. Neither XXXX XXXX or Citibank will help in my cause. Neither have offered us relief let alone help in this matter. I have had hundreds of communications attempts in writing, telephonic and in person communications with both institutions. I am attaching several of these communications to illustrate these communications. They dont show the hours of telephone holds and conversations with offices from NJ, Pa, Ohio, Utah to name a few. 

This is a GREAT amount of money and has caused us great hardship. It is being held erroneously by Citibank and they refuse to return it. 

I am attaching as Exhibit B several documents which illustrate the above timeline :. 
-XX/XX/XXXX Payment erroneously sent to CitiMortgage XXXX XXXX XXXX, XXXX Oh , XXXX. XXXX Acct No XXXX ( XXXX ) -Numerous conversations with Citibank trying to reverse the error lasting several months. Some conversations lasting hours of hold time. 
-An example of written correspondence is attached dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
-Several more conversations ensued with Citibank on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( just to highlight a few ). All stating summarily that they did not receive the funds so they would not be of assistance. I discovered that Citi had transferred mortgage payments to XXXX. After several communications with them I was advised that they had not received the funds. 
-I then went back to XXXX XXXX to ask for help but was advised that they had done their job by sending the payment and therefore not responsible and would not help me. 
-These communications went through XXXX to XXXX of XXXX. Again copies of all documents are attached. 

I am now contacting you in desperate need of assistance. Any help will be GREATLY APPRECIATED. I anxiously await your reply. 

Very truly yours, XXXX XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

2 years ago I decided to change the primary credit card in my household to the Citi double cash back card. I had previously been using a card that provided frequent flyer miles and had been using that card as the primary credit card in my household for over 10 years and I have never carried a balance. My previous credit card had a credit limit of $ XXXX and when I applied for the Citi card I told them over the phone that I needed at least a $ XXXX credit limit for the card to be useful to me. They approved my credit account via email with a $ XXXX credit limit. I called them to complain and they told me it would increase rapidly over time. In XX/XX/2019 the card limit was increase an additional $ XXXX for a new credit limit of $ XXXX. About 2 weeks ago I updated my income and mortgage information through the Citi app and requested a credit limit increase. The increase was denied. So I called them to ask for their credit limit qualifications which they would not provide. I have an annual income of $ XXXX and a current credit score of XXXX ( was XXXX until we went over the $ XXXX credit card limit ). I own my home and have $ XXXX equity, I don't carry any credit card balances and my debt ratio is less than 10 %. My mortgage payment is {$1700.00} per month. My complaint is that I know that there are lots of Citi double cash card owners that have credit limits well in excess of $ XXXX and I would say that most of those do not have the earnings, credit score and  minimal debt ratio that I do. So I feel that I am being discriminated against because I pay my balance off at the end of each month and in reality I am not the type of customer that they want. They don't get to charge me annual fees, late fees or interest and they have to pay me 2 % cash back on all purchases. I lose money on customers like me and I believe they are holding back the credit limit that I am qualified for because they don't want to lose even more money on my account than they do today.
Complaint sub-issue: Overdrafts and overdraft fees

On several different occasions, my balance will show more than what is in the account. At first, I thought I had just miscalculated, but, then I was hit with a bounce fee. When I went to see how I could have bounced, I seen the amount had been " adjusted '' only AFTER I had spent the extra money in the account. This has happened two other times as well. Today, I checked the account against my math, and the account shows an additional {$12.00} over my actual figure. I had my husband do the math as well, and his matches mine. {$12.00} don't seem like much of a difference, until you spend XXXX only to find out you really only had XXXX. Then, another bounce fee. Why are they allowed to do this
Complaint sub-issue: Reinserted previously deleted info

I have opened an investigation against XXXX ( former XXXX ) with EQUIFAX. I was told that because I had a lot of documents it would be better to fax the information in. So I followed what I was told. After 30 days I receiving a DELEATION notice, after that another and another ... a total of XXXX separate deletion notices. On XXXX XXXX the trade line ( which contains fraudulent information ) with was re-instated! 
I did ask why it 's back on my file? without notice to consumer? and why the creditor was not asked to certify that the information was correct? 
I was told that : the creditor was not asked to certify the information and that it was not necessary. I was also told that Equifax somehow between the fax and phone conversation had opened more than XXXX dispute and even though all contained different information the creditor could choose to answer ONE.. that was enough to be re-instated and even though they did n't answer on time that was OK too! Now they are still on my credit report, a charged-off account for over 7 years to be exact for 7 years and 4 months. See Deletion notice from XX/XX/XXXX XXXX ( un-answered dispute =deleted ), See Deletion Notice XXXX ( un-answered dispute =Deleted ), and XXXX 3rd Deletion provided to me over the phone on XX/XX/2015. EQUIFAX did not follow any of the lawful procedures. If they made mistakes on their part they need to remove the XXXX XXXX trade line. It also defeats the purpose of the dispute process if creditors are allowed to skip over some disputed and only answer some but not others and answer in what ever time frame they wish not when they suppose to answer ... totally unlawful!
Complaint sub-issue: Didn't receive enough information to verify debt

I sent a letter to I C System requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. I C System is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of violations against the FDCPA.
Complaint sub-issue: Debt is not yours

My sister was living with me at XXXX XXXX XXXX XXXX TN XXXX. She calle XXXX XXXX  to purchase cell phone for my nephews she gave them my address and they pulled up my name with this address. The service was supposed to be her her name. XXXX put this purchase in my name. I didn't realize this till six months later.I explained this was her bill she was responsible for it she told them this as well to no avail. I have been disputing this since XX/XX/XXXX on my credit report. I was removed form credit report in XX/XX/XXXX then it was placed back on there with XX/XX/XXXX as date account was opened. This is a fraudulent date. This is a fraudulent way to conduct business and this has plagued my credit since XX/XX/XXXX. XXXX XXXX XXXX   has this collection now the amount is {$1100.00} the account is XXXX. I would like this fraudulent purchase that I did not initiate and have been disputing since I found out about it Removed once and for all off my credit!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX Submitted on fraud issue since Equifax ignored the reason for complaint, that I want financial compensation for Equifax ILLEGALLY freezing my account when their self serve was broken.

Today I got a letter stating that Equifax UNFROZE my account per the last complaint. They don't know what they're doing and they once again acted ILLEGALLY by removing the freeze. 

XXXX ID XXXX refused to tell me who at Equifax removed the freeze and he didn't understand the notes that are on the account. 

I had him reinstate the freeze. 

I WANT DOUBLE financial compensation for Equifax 's illegal activity on my account.
Complaint sub-issue: Didn't receive notice of right to dispute

A collection just appeared on my credit file from this company ERC, not once have I been contacted I disputed this with the credit agencies as I never received verification, notice and it is inaccurate.
Complaint sub-issue: Transaction was not authorized

Cashapp sent a unauthorized amount of XXXX to another person. I have disputed this with flcashapp and asked why the money was deducted but it is not popping up in my transaction history. I filed a dispute with XXXX also and my claim was denied but not much info was given on why. Attached is a letter for the claim on decision
Complaint sub-issue: Information belongs to someone else

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Mars trying to collect money from me I asked them to send me signed documents and they failed to submit anything. Told them to stop calling me I get calls from different numbers threatening to take me to court asking for my bank information talking disrespectful to me. I dont know these people this is on my credit asked for it to removed due to they cant provide proper documentation I feel threatened at this time.
Complaint sub-issue: Information belongs to someone else

A company by the name of Elan Financial Services did a hard inquiry my XXXX credit report without my knowledge so I assume Fraud or Identity theft may be involved
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Where do I begin. I have been a loyal customer of CitiBank and over the course of the last 5-10 years I have opened disputes with them against fraudulent billing from merchants. The number of disputes must have been in the range of 24-30 and NOT A SINGLE dispute was ruled in my favor despite my spending countless hours pursuing disputes with them. All they are interested in is bilking customers under the guise of helping because their real customers are the merchants.

I want something to be done against these big banks and especially CitiBank because I don't come across anybody complaining about other banks. I am just sick of it and I have lost lost a lot of money since I have been with them. Enough is enough. 

Please render some justice here. 

Thanks XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with Fair Credit Reporting Act : XXXX XXXX XXXX, has violated my rights. My account # XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written consent/instructions.

15 U.S.C. 166b A. A creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.
Complaint sub-issue: Information belongs to someone else

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XX/XX/2021
Complaint sub-issue: Account status incorrect

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/2022 and XX/XX/2022, {XXXX} was withdrawn each day for a total of {XXXX}. I visited my bank 's branch office for information regarding these unauthorized withdrawals from my checking account. I was assured that the bank would get back to me to provide information concerning these withdrawals. My checking account was blocked by the bank, and they subsequently opened a new account. I was telephoned two weeks prior by the bank 's fraud department to advise me that my account appeared to have been compromised. They asked if I had authorized payments from North Carolina, and New York. They further told me that someone had completed monthly automatic deductions to pay for a TV entertainment subscription. Realizing that the bank had not discharged its custodial responsibilities to authenticate authorization caused me much alarm. 
In response to my trip to my bank branch, I received a letter from the bank dated XX/XX/2022 which was supposed to detail what transpired to permit unauthorized withdrawals from my account. They wrote " After reviewing all relevant elements internal records and the information that you provided us, we have concluded that there are elements of your claim that lack credibility. Given the results of our investigation, we believe that the transactions that comprise your claim must be considered authorized and, as a result, we are unable to honor it ''. 
This generic copy and paste response from the bank does not address any of my questions or the bank 's negligence in securing proper authorization prior to transactions. There is no evidence that supports the bank 's justification or conclusions. justification. I did not personally provide any information directly to the bank 's fraud department. The information the bank received was telephoned in directly by my branch personnel. The bank 's conclusions could not be the result of any information I gave, as all the information submitted was given by phone by the branch employee. The purpose of my trip to the branch was to obtain the details of the so-called elements that the bank infers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Two companies ran a credit check without my knowledge. XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I PAID OFF A DEBT THAT WAS OWED IN FULL. I DISPUTED IT AND WAS TOLD THAT I STILL OWED THE MONEY AFTER THE INVESTIGATION OF MY CREDIT REPORT.
Complaint sub-issue: Public record

This has been an ongoing issue for quite some time with Equifax. I have asked on multiple occasions that Equifax remove a public record that is appearing on my credit file. I have contacted the bankruptcy court who informed me that they did not furnish the information appearing on my credit report. Equifax informed me that XXXX provided this information to them. I have asked for proof of how they verified that the information reporting belonged to me.
Complaint sub-issue: Personal information

Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX has not obliged by 15 usc 6802. After contacting this company numerous of times to remove these items nothing has been done. I was never properly notified that this item would be reporting on my behalf nor have I ever given permission for information to be passed to a non affiliated third party. Also after looking at 15 U.S. Code 1681b, a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This alone is in direct violation of consumer reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$760.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

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 stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact XXXX, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?
Complaint sub-issue: Information belongs to someone else

FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX   XXXX XXXX XXXX WA XXXX XXXX 2. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA , XXXX 3. Factual Data XXXX Factual Data XXXX PA XXXX XXXX 4. XXXX XXXX XXXX  XXXX FL XXXX XXXX 5.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX 6.Factual Data  XXXX Factual   data XXXX PA, XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.