Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

My time as a Citibank credit card customer has been marked by a lot of fraudulent transactions against the account. So much so, that I've changed account numbers three times so far. 

In XX/XX/2021, I notified Citibank that I'd discovered significant fraudulent charges to my account going back to XX/XX/XXXX of the same year. In XXXX, I discovered additional fraudulent charges, bringing the total to 193 total transactions between XX/XX/2021 and XX/XX/2021 totaling {$3500.00}. 

I have made repeated efforts to reach Citibank to get a status on my dispute and each time I get transferred to different departments, but have not managed to get anyone to give me a concrete answer as to where things stand and how long it will take to resolve my dispute. After almost three months since my report of the dispute, I have received two letters from Citibank stating they are continuing the " investigate '' the dispute. Thus far, accessing my account online, I see only a total of only 28 transactions aggregating to {$630.00} has been resolved. This represents only 15 % of the total disputed transactions and 18 % of their dollar amount. 

This has been a highly frustrating experience and one where I'm not getting timely resolution on my dispute. As I understand, the card issuer has, by regulation, a requirement to resolve disputes within two billing cycles. Citibank has not complied with this regulatory requirement.
Complaint sub-issue: Personal information

Addresses reported on my credit report include the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This has never been an address for me. I have always resided in XXXX. The other addresses listed on my report are correct. Concerns me that someone in XXXX XXXX may have used or trying to use my name for fraudulent purposes.
Complaint sub-issue: Debt is not yours

I have been disputed this company since last XXXX. I dont have no clue who this debt or creditors is. I do not have a account with them
Complaint sub-issue: Didn't receive enough information to verify debt

I had a store credit card debt through Best Buy but i run into trouble paying the charges so the company made payment arrangement and froze interest charges. As part of the arrangement I monthly payments was to be by auto direct payments form my check-in account. 

I lost my job there after and direct auto payments form check-in account were returned and arrangements on the payments could not be honored. I also I incurred returned fee charges on my bank account. 

I started receiving bills with charges greater than agreed so I sent email to inquire about the charges but never got a response. I was earnestly intent on resolving the issue but never got a response. 

The debt was transferred to XXXX XXXX XXXX and I disputed the amount claimed. They sent me details of accumulated interest charges so that the claim now it far more that the balance agreed and over a XXXX dollars more that the initial principal amount of charge. 

I am frustrated that I cant get Citi Bank to resolve the issue and I have to deal with the debt collector. 

As of now they have filed a claim against me at the Small Claims Court so I want to be able to resolve the principal amount of the debt with Citi BAnk.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I disputed a charge on card ending in XXXX ( Citi Premier ) that occurred on XX/XX/XXXX for {$400.00} ( XXXX pesos ) at an unknown business named CLIP MX*PEKES. 
The dispute was subsequently denied, but 1. This charge is 100 % fraudulent and this particular business does not even exist and/or is legitimate 2. I was unable to provide adequate detail over the phone because I was on vacation and in transit ( hard to hear and respond ). Detail to reopen my claim is below : On XX/XX/XXXX I was transiting from XXXX, XXXX to the XXXX XXXX very early in the morning. Card ending in XXXX was in my possession until we needed to stop for gas at XXXX XXXX for the legitimate {$55.00} ( XXXX pesos ) charge. At this service station, the attendant took my card and went inside the service station and out of view to charge it.The card was not in my possession at this time, nor was it in view. The fraudulent {$400.00} charge was certainly made at this time, and Id imagine the time stamps are close together since he was out of view for approximately 7 minutes ( unless time stamps can be changed on terminals ). There were XXXX others in the car that can attest to the card being out of my possession and who were with me for the duration of the day, thereby witnessing no transaction for {$400.00}.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to contact them for over 60 days to investigate some accounts on my credit report. They have failed to respond to my disputes. I have not received no correspondence about disputes at all. The information they are reporting is inaccurate and unverifiable. They are causing me great stress.
Complaint sub-issue: Old information reappears or never goes away

I previously submitted a complaint about this issue, that XXXX XXXX keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if Equifax was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, XXXX  XXXX that should be removed and was closed prior, made an update and a comment and EQUIFAX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, Equifax never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Complaint sub-issue: Reporting company used your report improperly

Equifax continues to NOT exercise their grave responsibility to be fair, impartial, and there was no respect for my rights to privacy as a federally protected consumer. Please see attachment.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence. This company is exaggerating the amount of debt. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. Additionally, this account continues to be a mystery to me, please remove this entry and cease and desist all future collection efforts because this company failed to validate. I do not have a financial obligation with you ; please delete this reference on all credit reports Original creditor : XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Account Name : DISCOVERBANK Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$230.00}
Complaint sub-issue: Information belongs to someone else

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN FRAUDULENT CREDIT CARD ACCOUNTS IN MY NAME THEY DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Complaint sub-issue: Problem with statement of dispute

On XXXX 2015, I filed a complaint with Equifax against XXXX XXXX XXXX and XXXX XXXX XXXX for failing to validate a debt being reported to Equifax by these collection companies. I have also filed a complaint with the Consumer Financial Protection Bureau against both of these collection agencies. Complaint # XXXX was filed against the XXXX XXXX XXXX back in XXXX 2015 and they have failed to respond to me or the CFPB as to this date, but yet by some mysterious source Equifax validated this account. Even though I attached the complaint from CFPB to Equifax they failed to take in consideration that the law requires a credit collection to verify an account when a consumer request. I also requested Equifax to forward the validation that they based their decision on to side with this illegal collection company and Equifax failed to send that information. Complaint # XXXX was filed against XXXX XXXX XXXX back in XXXX 2015, In which they responded with no validation but a statement to the CFPB stating that : In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all the credit reporting agencies associated with the account and our office. The confirmation number for this request is XXXX. Please allow up to 45 days for the credit reporting agencies to process our request. This information was forwarded to Equifax in the complaint I sent them to have this bogus un-validated account removed from my credit records. I am requesting Equifax remove these accounts from my credit profiles and send me proof this has been done. Also I am requesting Equifax send me the validation they used to verify this account since I and the CFPB failed to receive such validation, also Equifax should be fined for not following the law to verify and report accurate information on consumers.
Complaint sub-issue: Debt was result of identity theft

EOS CCA XXXX EOS CCA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious EOS CCA XXXX EOS CCA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Complaint sub-issue: Threatened to take legal action

I received a phone call ( on my cell phone ) stating they wanted to serve me with papers and were confirming my address. They acted as if they were a process server. They then called from the same number XXXX XXXX XXXX XXXX and stated they were a debt collect via leaving a message on my voicemail. They told me to call back XXXX. They stated they were with CKS Financial. I believe they use a fake local number so that I would answer their call. I do n't owe them any money and they should n't be calling me.
Complaint sub-issue: Account status incorrect

I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months include that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.
Complaint sub-issue: Personal information incorrect

Equifax refuse to correct my name. I have repeatedly disputed this and they delete it and put it back on. Equifax has my husbands suffix mistakenly mixed up with my name on my credit file. I am receiving mail with my name incorrect. My name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXXXXXX My Maiden is XXXX. I have submitted my passport and other credit agencies with the correct spelling of my name. 
Please Equifax correct my name for the hundredth time I AM NOT A XXXX!!! I only have this problem with Equifax and no other credit reporting agency.
Complaint sub-issue: Received bad information about your loan

I have loans out with get loan and XXXX XXXX. I am unemployed due to having XXXX children at home and the cost of daycare and they are saying I owe {$420.00} a month. I had tried sending payments of {$20.00} at a time but they send them back to me, they said they won't take partial payments. Last month I called to see what else I could do and was given 5 different phone numbers to call that were suppose to have my account and they all said they didn't have my account and have me another number to call. Please help I don't know what to do to get them paid off. I am {$30000.00} in debt because of this.
Complaint sub-issue: Account terms

My recent credit report have disputes I created through Equifax in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.
Complaint sub-issue: Account information incorrect

I've reported this dispute several times. 
XXXX has updated my credit based on my report and XXXX ; along with Equifax have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 

That is not possible. 

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on Equifax & XXXX The last is how it shows on Equifax ; along with XXXX You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action
Complaint sub-issue: Card opened as result of identity theft or fraud

This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately.
Complaint sub-issue: Didn't receive terms that were advertised

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2020 Comerica XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Checking Bonus Offer To Whom it May Concern : On XX/XX/2020, I applied online for a Checking account at Comerica Bank ( the Bank ) in response to an offer to Earn {$200.00}. I was subsequently approved and met the offer requirements. 

I contacted the Bank several times to request payment. As of today, the bonus has not posted. 

Now, I respectfully demand that the Bank pay the advertised bonus of {$200.00}. 

Otherwise, this matter will proceed to trial with all costs borne by the Bank. 



Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX.
Complaint sub-issue: Information belongs to someone else

This account appeared on my credit file and it does not belong to me
Complaint sub-issue: Reporting company used your report improperly

a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE XXXX my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.
Complaint sub-issue: Account information incorrect

I have an account with XXXX ending in XXXX that the date of first delinquency was XX/XX/XXXX, this account should therefore have been removed off my credit report on XX/XX/XXXX. Equifax has not done day stating " the info is correct '' however i have supplied documents ( attached in this complaint ) to Equifax showing payment history and a loan analysis sheet indicating the dates of delinquency on the loan and corroborating my statement above. I obtained these documents DIRECTLY from XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Applied for a Citi DoubleCash card on XX/XX/2021. After making my application Citi made two hard credit checks using two slightly different names ( CITI CARDS CBNA and CITICARDS CBNA ). The second check occurred almost immediately after the first and was not authorized. 

After calling Citi the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

{$1500.00} was taken off my cash app card and the person was claiming to be an associate with cash app and they were going through the process of enabling my card that they temporarily disabled and suddenly the person I was communicating with disappeared along with my money