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

My father passed away on XX/XX/XXXX. He had a bank account at Citibank with the XXXX, IL branch location. I reached out to them ( along with 3 other banks in the area ) to close his accounts and withdraw funds about a month after my dad passed away and once I received the death certificate from the county. 

I had to call Citibank 's XXXX branch location 8 times over 1 week in order to make an appointment. I did not walk-in because I knew many banks were not taking walk-ins during this pandemic. Each time I called I was told everyone was busy. I finally got to the national line and they made an appointment for me with Citibank XXXX branch on Tuesday, XX/XX/XXXX. 

When I went into the office, I was told they did not have a record of an appointment and to leave and make one over the phone. I insisted that I had booked an appointment and asked to see someone. They accommodated me and filled out a death certificate form and told me it would take 10 business days for their legal team and back office to close the account and withdraw the funds for me. 

As I mentioned earlier, I did this with 3 other banks - XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Each of those banks were able to get me the money within 48 hours. I did not hear anything from Citibank for over 10 business days so I called them on Tuesday, XX/XX/XXXX, and was told the representative who helped me only worked on Thursdays and Fridays so I had to call back Thursday. I told them it was imperative we receive the money in order to pay bills and that I was willing to speak with anyone but they said it had to wait until Thursday. 

On Thursday, I called multiple times until finally getting through to the representative. They told me the back office hadn't closed the account yet. I asked why there was a hold-up and how we could fix it assuming that there was an unpaid fee or something associated with the account. They said there were no problems and they would close it. I told them to please close it ASAP because we need money that we own to pay our bills. On Friday, I called again and they still hadn't closed it. I reiterated the urgency of this request and that it had been far longer than the 10 business days I was told and that every other bank did this within 48 hours. They told me to call back Monday, XX/XX/XXXX. 

I called again on Monday, XX/XX/XXXX and have not been able to get through to anyone. It is now almost a month since I tried to close an account I rightfully own and withdraw {$15000.00} of funds in order to pay our bills and Citibank has not given it to us nor explained why.
Complaint sub-issue: Sent card you never applied for

I got visa card sent that I didn't apply for
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to Equifax on XXXX separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the XXXX other reporting agencies ( XXXX and XXXX ), they have the same account listed with a late payment, however none of those dates match. XXXX has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my credit score is impacted negatively.
Complaint sub-issue: Used obscene, profane, or other abusive language

Received a phone call from TEK COLLECT INC on XX/XX/2023 at XXXX the phone number they used at the time is XXXX. Upon answering the phone they immediately asked for my name, where I asked who they were and what company they were calling from. The caller refused to identify and stated they need to verify who they were talking to before releasing that information. Upon asking again for the information, I was put on hold for 30 seconds. They then came back on the line with a different person and stated they were from Tek Collect about a debt. I immediately informed them that they violated FDCPA by refusing the identify immediately upon request and that they were calling a cell phone incurring me charges where they were not authorized to call. The phone call was immediately terminated.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2022 I sent Hunter Warfield a letter asking them for validation on an account listed on my credit report. Instead of complying with my request, the company insisted on sending me alleged bills of some kind. The bills that they sent me wouldn't even classify as VALIDATION, it would be VERIFICATION if the account was indeed mine I thought as a collection company, they would be informed on what constitutes as VALIDATION but to make sure there aren't any further misunderstandings, I will describe to them exactly what I am looking for when referring to VALIDATION. 
I am requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Attached to this complaint is also a cease and desist letter describing the only method of communication that can be used from this point going forward. Communication about this debt through mediums such as the credit bureaus will constitute as a breach of the cease and desist and proper litigation will follow if the order is ignored.
Complaint sub-issue: Reporting company used your report improperly

I recently obtained a copy of my XXXX credit report and noticed that you are reporting inaccurate information as a result of identity theft- in the Accounts with Adverse Information section. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 

Account Name Account Number Balance XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} You are required to do what I am asking ( Title 15 U.S.C. 1681c-2, a1-4 ) and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Citibank NA processed two consecutive UNAUTHORIZED hard credit report inquiries into my individual XXXX credit information. The first hard XXXX credit report inquiry occurred on Tuesday, XXXX XXXX, 2017, and the second hard XXXX credit report inquiry occurred on Wednesday, XXXX XXXX, 2017.
Complaint sub-issue: Account status incorrect

Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.
Complaint sub-issue: Report improperly shared by CRC

I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX 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 formal escalation 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 XXXX 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX 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 formal escalation 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 XXXX 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have several accounts that I think need to be investigated because they are not accurate. There is a letter attached that will explain everything
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am sending a complaint today to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
Complaint sub-issue: Debt was result of identity theft

The debt is reporting from a company called MoneyLion INC XXXX XXXX XXXX XXXX, NY XXXX for the amount of XXXX This account was opened XX/XX/2021 I did not make this debt, I have requested a validation of debt with no response. This is not my debt as I have told MoneyLion INC to prove me with documentation of its validity. on my credit reports it does not show a account number. Please investigate and remove from all credit reporting information bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the XXXX XXXX, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$4100.00} XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I found out that I lost money from my account
Complaint sub-issue: Investigation took more than 30 days

XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.
Complaint sub-issue: Problem lowering your monthly payments

Discover Student Loan Complaint Background XX/XX/XXXX Primary Student Borrower : XXXX XXXX Cosigners : XXXX XXXX  and XXXX XXXX Total Amount Owed : XXXX My name is XXXX XXXX, and both my step-father, XXXX XXXX, and my mother, XXXX XXXX are cosigners on my Discover Student Loans. All of our credits have been ruined by Discover Student Loans, although we have been trying to work with Discover since I graduated from college in XX/XX/XXXX to get more reasonable payments based on my income ( please see additional attached documents ). After ignoring our pleas and ruining our credits, Discover decided to put me on a Hardship Program, after I lost my job. This went into effect in XX/XX/XXXX.
My mother called Discover Student Loans at XXXX at XXXX on XX/XX/XXXX and spoke with XXXX . She requested that our credit reports be corrected since we have been trying to work with Discover Student Loans for years to come up with a solution. XXXX told her that Discover will not do this, so she sent an email requesting that the phone call recording be escalated to senior leadership at Discover. She received a call from XXXX XXXX at Discover on XX/XX/XXXX and was informed that the issue is being escalated to Discover Executive Leadership. My mother received another call from XXXX XXXX on XX/XX/XXXX stating that Discover Executive Leadership will not correct the credit reports and will not look at the loan until after the 1 year hardship program has ended.
We have been trying for years to work with Discover to reconcile reasonable payments. We sent emails to Discover Leadership as far back as XX/XX/XXXXto demonstrate Discover Student Loans role in the following : Using unethical tactics to assign high interest rates to students with high credit score cosigners.
Using the high interest rates to create payments that students can not afford coming out of college.
Attacking cosigners before working with the direct borrower to get payments.
Making undocumented suggestions that students not pay to demonstrate hardship in an effort to go after cosigner assets.
Using XXXX-type tactics ( high interest, bullying, ruining credits, and lies ) to get from borrowers what they should never have owed.
Discover Student Loan tactics role in decreasing the amount of students entering college in the US and therefore leading to the demise of our nation relative to other nations.
Discover Student Loan tactics role in increasing crime as students get desperate because of the bullying and threats and knowledge of the fact that bad credit ruins futures ( ability to get that next best job, ability to buy a house or anything else that requires good credit, etc. ). This threat is real to these students and the resulting desperate behavior would probably surprise us all.
I am filing this complaint in hopes of driving a large investigation into this behavior and thereby driving change.
I dont know how Discover Leadership sleeps at night. They are a lending institution but it doesnt mean that they have to play this big of a role in ruining America. What they are doing is everything that is wrong with America today.
Complaint sub-issue: Contacted your employer

On Tuesday XXXX XXXX, 2017 while at work I received a phone call from the vice president of the company in which I am employed stating he had received a legal matter involving me on his desk via fax. He forwarded me an email of the fax communication he had received from Kashia d/b/a XXXX XXXX  requesting an wage assignment. I stated to him I was unaware that any civil judgements or garnishments had been placed against me as I had not been taken to court for anything relating to such. It was requested that I follow up with a company that my employer follow up with a company called XXXX XXXX. Upon a simple internet search I learned that this was an unlicensed payday loan lender and that the contact information for both Kashia d/b/a XXXX XXXX and XXXX XXXX was vague at best.
Complaint sub-issue: Funds not handled or disbursed as instructed

Hello, Since XX/XX/20, I have attempted to right a wrong with PNC regarding a check I mistakenly deposited into my business checking account with them and PNC has not assisted me in recovering these funds for several days now. 

I mistakenly deposited a {$3000.00} check ( check XXXX ) into my business checking account on XX/XX/20 and this check was actually written on the SAME business checking account. I thought the check was from a different account I owned, but it was from the same account that it was written on. I realized the error but it was too late. 

{$3000.00} was withdrawn form my account to cover the check written on the SAME account, the funds came out and were never deposited back, despite the several attempts I have tried to make regarding this. Right now, I just want my {$3000.00} back into my account. I dealt with someone named XXXX XXXX from the PNC help component on the online app and she has not communicated with me in a way that would help me. I spoke with her twice. She said it would take 3 days, but it has been well in excess of 3 days. I want the {$3000.00} put back into my account as soon as possible. 

Though it is my error, PNC should have also caught this error and refunded the money, but there has been no action. Now I need a different kind of help.
Complaint sub-issue: Debt is not mine

National recovery agency keeps calling to collect a debt they say is from XXXX XXXX, 2009. They say the bill XXXX for {$420.00}! They have never sent anything in writing ( no bills or letters ) for six years! I have never received a bill XXXX! I called XXXX and they have no record of this bill or of me owing any money! Iwas seen at that hospital and all bills were taken care of through our insurance! They provided an account number which does not exist!
Complaint sub-issue: Their investigation did not fix an error on your report

Despite four mail certified written requests to Equifax credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law.  They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified.