Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2018 I opened a checking account and a savings account with Citibank at one of their branch offices on XXXX XXXX XXXX XXXX with the help of XXXX XXXX to take up their {$400.00} bonus offer at time if I make at least the minimum deposit and keep the minimum combined balance for 60 days. I was told by XXXX that I am eligible for the offer. 

I made the required deposit of {$15000.00} to the checking account and {$500.00} to the savings account on XX/XX/2018. I left the money sitting untouched in both accounts for the next XXXX consecutive months. 

The {$400.00} bonus never came and still not received. I started making numerous inquiries to Citibank through their branch and spoke to its manager XXXX XXXX and the original office XXXX XXXX. I also tried their online Live Chat and spoke to several representatives. They keep telling me that they're still 'investigating ' even though all of them confirmed that I have satisfied all the requirements for the bonus. I kept getting the runaround and still haven't gotten any resolution. 

Today, XX/XX/2018, both of my accounts were mysteriously 'unlinked ' and I can no longer access any of the accounts. I never unlinked them or authorized Citibank to close them. I reached out to the branch manager XXXX XXXX, and she has no idea why. I feel misled and duped. The whole thing feels like a fraud and it is outrageous.
Complaint sub-issue: Their investigation did not fix an error on your report

The year XXXX I was having issues paying my loan so I called my loan provider to put me on hold or what they call forbearance then during the month of XXXX and XXXX the loan provider did not change my status defaulting on my loan
Complaint sub-issue: Funds not received from closed account

On XX/XX/2021 I received a check from Citibank via XXXX express shipping for the amount of {$11.00}, XXXX the check is missing {$1000.00} on top of the {$2000.00} missing from the account. 

I called Citibank customer service 6 times over a few hours to get answers for why so much money is missing. I spoke to several reps who confirmed that {$1000.00} is missing from the check. They couldn't access transaction history or account statements for XX/XX/XXXX going forward to XX/XX/XXXX. The agents then transferred me to the fraud department who then informed me that the government took money from the check they sent me. But that is dishonesty on the behalf of citibank because I do not owe any debts to the irs or anyone. So what really happened to the rest of the money? 

On XX/XX/2021 I deposited that same citibank check into my new account at XXXX XXXX. XXXX XXXX said that SOME funds would be available today XX/XX/2021 but when I went to the bank, XXXX XXXX informed me that when they went to collect the funds CITIBANK stopped them and told them that funds wouldn't be available until XX/XX/2021 ... as you can already assume, this another inconvenience and a show of incompetence on the part of citibank and it's offshore customer service department. 

Since XX/XX/2021, I have been unfairly scrutinized and what seems like punished for spending money the way I see fit. Since XX/XX/XXXX, I have been humiliated and my life flipped upside down due to the extremely petty way that citibank has decided to scrutinize me. 

I still have NOT been informed of what I did wrong OR how my account ended up under a fraud investigation. It's now XX/XX/XXXX and citibank is still being dishonest in how it's handled my account. I have been waiting for WEEKS to see account statements and such. There is ALSO a LARGE sum of money missing. 

My mother died and her insurance left me that {$15000.00} check that I deposited into CITIBANK. It's been XXXX trying to do the things I need and it's also been hard to mourn my mother with having to constantly worry why citibank has decided to steal money and withhold answers when I've proven countless times that I am the account owner. 

You can see from the attachment below that XXXX was my balance before citibank closed my account. This was my balance on XX/XX/2021. What happened to the rest of the money???? Why is citibank being so shady???? And dishonest. 

Every time I speak to a customer service representative they act as if they don't know anything and can't help with anything and I honestly think it's the employees that stole from my account or did something funny to the account.
Complaint sub-issue: Reporting company used your report improperly

IN accordance with the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a complaint on XX/XX/2022 ( Complaint # XXXX ) against Equifax and XXXX to remove some HARD INQUIRES on my credit report that I did not recognize. XXXX is claiming that these INQUIRIES came back verified however, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. INQUIRY : XXXX XXXX XXXX, 2. I
NQUIRY : XXXX XXXX XXXX., 3. INQUIRY : XXXX XXXX 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. 

Delete these HARD INQUIRIES immediately unless you want to be held liable {$1000.00} per violation.
Complaint sub-issue: Public record information inaccurate

I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named LexisNexis. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O
Complaint sub-issue: Information belongs to someone else

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Complaint sub-issue: Problem getting report or credit score

I wrote Equifax over 6 weeks ago. They have not responded to my request for an investigation.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$590.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAMES DO NOT BELONG TO ME : 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 THESE ADDRESS DO NOT BELONG TO ME : Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX PL XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX LAKE XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX FAMILY Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX and Equifax all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit
Complaint sub-issue: Account status incorrect

XXXX XXXX just started reporting to my equifax credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with XXXX XXXX. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the XXXX  and XXXX. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with XXXX XXXX ( who is currently in a class action suit for fraud ) and Equifax for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.
Complaint sub-issue: Debt is not yours

An account is listed on my Equifax Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Equifax has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX  . I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  XXXX   XXXX   XXXX  that this case was Settled on   XXXX   XXXX   XXXX  . A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report.
Complaint sub-issue: Debt is not mine

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.
Complaint sub-issue: Old information reappears or never goes away

There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only Equifax deleted these accounts from my credit report. I have followed up with XXXX  and XXXX with follow suit letters with still no response. I am requesting that XXXX and XXXX follow suit of Equifax and delete the six XXXX XXXX accounts from my credit report. XXXX and XXXX can confirm by reaching out to Equifax to confirm this information.
Complaint sub-issue: Can't qualify for a loan

Citi student loan was sold to a government loan. It has been 7 years since XXXX/XXXX/2009 I disputed this to be taken off my credit report with all the credit report agencies. Instead of removing this old account that is 7 yrs old which is a violation of the fair credit act. That 's suppose to protect consumers. The reporting agencies made it like it was a new account and just said I was disputing the item. It had been closed for 7 yrs. now since they did that it made my score on XXXX, XXXX, and XXXX go down XXXX points or more. Please help me to remove this account from my credit reports so I van continue to work building my good standing credit with no late payments. Thank you for your help on this matter.
Complaint sub-issue: Didn't receive notice of right to dispute

On XXXX XXXX, 2017 my mortgage company informed me that a collection item for IC System XXXX XXXX XXXX XXXX XXXX, MN XXXX  XXXX {$720.00} XXXX XXXX/ XXXX is being reported on all 3  bureaus. I have sent 2 request to the company advising that I had no knowledge of the debt/account prior to it appearing on my credit, I have never lived at addresses associated with this account and I did not receive my right to dispute the validity of this account prior to them reporting it on my credit.i have submitted disputes with the credit bureaus as well
Complaint sub-issue: Debt was result of identity theft

Got a letter from XXXX XXXX XXXX , XXXX to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. 

I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. 

My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or XXXX XXXX XXXX , XXXX has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.
Complaint sub-issue: Reporting company used your report improperly

Recently, Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.SXXXX customers. The company set up a website, XXXX, to determine whether or not customer 's information was compromised. 

After accessing the site and entering my data, it revealed that my personal information may have been impacted by this incident. 

Following this, I attempted to run credit reports with the 3 major credit reporting companies, and attempted credit freezes ; I only managed to do a credit freeze with Equifax, ironically, and only obtained a credit report from XXXX.
Complaint sub-issue: Investigation took more than 30 days

ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BE LONG TO ME
Complaint sub-issue: Account information incorrect

We had 2 accounts with XXXX XXXX XXXX. XXXX was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings  to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.
Complaint sub-issue: Debt was result of identity theft

This company is listed on my credit report as a debt. This is not my account.
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX - I enrolled in XXXX  's XXXX credit security program and saw that there is a Revolving Account from CBNA opened in my name. I have used and had any CitiBank products. It is even more alarming because this account was opened XXXX ; I was born XXXX. During my phone call with CitiBank they were unable to locate any account connected with my SSN. They ask that I contact XXXX to have them give me the CBNA account number so that CitiBank could locate this account. 
XXXX - I contacted CitiBank to retrieve this account information. I was told that XXXX would be unable to give me any information about my credit profile unless I purchased their credit monitoring program XXXX ( XXXX ) for XXXXUSD. After a few moments of confusion I asked the telephone operator to confirm that XXXX  is refusing to provide me with information about my account until I purchase their XXXX  program ; to this the operator immediately disconnected the phone call.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2021 : Sent XXXX XXXX XXXX a letter requesting validation for these accounts : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Sent Equifax a letter requesting validation of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Sent XXXX a letter requesting validation for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX It has been 30 days and I have not been notified of the status of the validation.
Complaint sub-issue: Other problem

In XXXX of 2018 I closed my discover account. I followed up with Discover around the end of XXXX to confirm my refund amount. The agent advised me I would receive a check in the amount {$480.00} after XX/XX/2018. I called today to confirm when my check would be sent and was advised my refund would only be for {$17.00}.
Complaint sub-issue: Information belongs to someone else

I don't know what else to do, I have disputed these with the credit agencies and the collection companies. The information below is inaccurate, false and unverifiable and needs to be removed off of my credit file. Please help XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : $ XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$330.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$870.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$450.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX - Duplication and unverifiableremove Balance : XXXX XXXX XXXX XXXX - Unknown and unverifiableI tried to verify and get no response Balance : XXXX XXXX XXXX XXXX - XXXX - says I owe {$220.00} but past due XXXX inaccurate and false and unverifiablebecause I have tried and got nowhereREMOVE Balance : {$220.00}
Complaint sub-issue: Other problem getting your report or credit score

I was turned down by XXXX  XXXX XXXX XXXX due to Lexis Nexis Business reporting. 
I have not been able to get this report, trying numerous times. 
It is my legal right to have access to this report. 
They have a XXXX world company answering their phones for XXXX consumers/business people, I have called them many times and have uploaded all of their information requested and they still won't send my report.