Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

lexis nexus has been using my information with out my consent I demand of removal and monetary relief immediately. 

My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions.
Complaint sub-issue: Funds not handled or disbursed as instructed

Ref : XXXX XXXX Acct # XXXX ; XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , NY XXXX Dear Sir/Madam : This is a formal complaint against Citibank . I received a Promotion Letter letter dated XX/XX/XXXX from a Ms. XXXX XXXX, US Head of Small Business, Citibank, NA, directed to my company XXXX XXXX, offering {$1000.00} to move {$50000.00} to Citibank and get better everyday banking. The fine print says The cash bonus for which you qualify will be credited to your account within ninety days from the end of the month in which you complete all Offer requirements. 
On XX/XX/XXXX, my firm opened an account at the XXXX Branch and deposited the sum of {$52000.00}. The Citibank employee was a Mr. XXXX. On XX/XX/XXXX, I visited the bank to determine the status of the promotional bonus offer by the Bank, Needless to say, confusion and ignorance surrounded the matter, and it was obvious it was a Citibank scam. Today, XX/XX/XXXX, now 6 months, with {$52000.00} idling at Citibank, the Promotional Bonus has not been paid. Two days ago, I received one of a series of form letters, all signed Sincerely Citibank Business Operations, stating that my inquiry is under investigation, etc. etc. 
For the few of us that pay attention, and after witnessing the XXXX XXXX scam, resulting in that CEO being banned from banking for life, big banks see their current banking methods shunned by big business, are actively targeting small business and the Consumer with these deceptive and dishonest tactics to generate business. Citibank has now gone from Predator to Parasite. The XXXX office functions like a social service office with sign-in and sit-and-wait to deal with people who have no decision authority on any matter. As in the XXXX XXXX case, the deceptive practices are executed with ambiguity and dishonesty. Citibank should be investigated for its deceptive and dishonest banking methods. 
I want Citibank to investigate and fulfil the promise inherent in their promotional letter to my firm. I would refrain for notifying the Office of the Comptroller of this matter, in anticipation of the prompt correction of this deceptive tactic. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX, Pres & CEO Citigroup Inc . 
XXXX XXXX US Head of Small Business Citibank, N.A
Complaint sub-issue: Company closed your account

Already submitted complaint XXXX in regards to payments, payment hold, being told I had returned payments when in fact they were cancelled but still attempts were made to deduct the amount from my account. Then after my complaints started with customer service, all of a sudden I was in collections, mind you never have been past due, late, on any pmt but my account is in collections or Line Management if you will. After complaining about long hold on payments being made forward my MasterCard and after my account we closed on accident on already but reopened the following information I will provide is exactly what I mean that CitiBank has to be doing some kind of unlawful practices. On XX/XX/2019 I initiated a pmt to be made in the amount of {$55.00} after I received notifications my pmt was received and credited that particular balance of {$55.00} was not available to me, again this bank goes putting guaranteed funds on hold towards a pmt. not on XX/XX/2019 I made another pmt of {$55.00} because the original stil was not reflecting on my acct as avail. After speaking to customer service and line management I was told the item had returned unpaid by my bank which it did not and that I needed to pay that amount along with returned fee. Of course I became irate and this is when I began to piece all together right before XX/XX/2019 account closure. On XX/XX/2019 cotibank without my authorization took another pmt for same amt {$55.00} but apparently does not have recorded of that payment so its under dispute with my bank. Low and behold I receive a letter from citi and is attached to this portion of my complaint.
Complaint sub-issue: Problem getting your free annual credit report

I created an Equifax account, and attempted to obtain my free annual credit report and score. Equifax will only give you a free credit score if you sign up for their intrusive credit score service called Equifax Core Credit. Considering Equifaxes poor history with privacy controls, I don't think it's fair for them to force consumers to sign up for another service simply to obtain the score. What Equifax will give for free is a " credit report '' which does not give the score - only a summary of account information. According to Equifax 's privacy policy, signing up for Equifax Core Credit means agreeing to allowing the company to share and sell my information. I'm rather certain this is a violation of credit reporting laws and amounts to type of extortion. The Federal Government has been far too lax with Equifax considering their history and reputation of negligence with consumer information.
Complaint sub-issue: Information belongs to someone else

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX   XXXX {$1000.00} XXXX XXXX {$550.00}
Complaint sub-issue: Debt is not yours

I contacted the company in XX/XX/2018 to notify them that this was not my debt. I spoke to XXXX who notified me that the SSN on the account did not match my SSN. I proceeded to ask how they could legally report this on my credit when it is not my debt. She asked me to send her a copy of my credit report showing that the debt is on there which I did. I called 2 weeks later to confirm receipt and she confirmed that they had received it and the dispute was processing. I called another week later and she stated that it was still processing and she had no idea how long it would take. I requested a copy of any information that she has to prove that the debt is mine yet I haven't received anything. I waited a month and called again and asked for a manager who basically said whoever I spoke to last shouldn't have spoke to me because the SSN on the account isn't mine. I explained to her that although it isn't mine it is still illegally reporting on my credit report and I am trying to buy a house. She said something was sent yesterday to me ( how coincidental ) about the debt. No one it helping me but they all agree that the SSN on the account is not mine and neither is the debt. The amount of the debt is only {$140.00}, if it were mine I'd pay it.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I was a student at the XXXX XXXX in XXXX New Jersey from XX/XX/XXXX to some time in XX/XX/XXXX. Upon removing myself from the course I was told my personal loan was able to be returned to the creditor in full and I would only be responsible for the federal loan portion of {$1000.00}. The XXXX closed due to Covid 19 in XX/XX/XXXX and I am now being sued for {$5400.00} and it appears as if the personal loan was never returned like I was told it was. I cant even contact anyone associated with the XXXX because they are closed and all redirections to obtain my files are now defunct. The company who has now obtained this debt is XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

I pulled my Equifax credit report and noticed 14 unauthorized inquiries on my report. Equifax has removed them, but they are still liable for the damages I sustained as a result of this reporting, pursuant to the FCRA or specifically 15 USC 1681n, because I had to warn them multiple times to remove it and it delayed me from getting credit I needed access to.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts 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 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  Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been trying to dispute all of the inquiries that are reporting on my credit file but it seems to me that they tell me they dont want to removal the item.
Complaint sub-issue: Account status

I submitted a dispute for my XXXX XXXX card because it showing that have XXXX thirty day late payments. The 30 day late that is showing for XXXX is not correct as I submitted the payment on XXXX and that is not 30 days late. That payment was paid and came out of my account before XXXX which would have been 30 days. The late payments need to be removed for account ending in XXXX
Complaint sub-issue: Information belongs to someone else

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/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 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 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 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
Complaint sub-issue: Information belongs to someone else

Pulled update of my credit report and didnt see any changes. You still posting this negative on my name but these accounts are not belong to me. I think someone have my personal information
Complaint sub-issue: Debt is not yours

I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax mailed me Dispute Results of their Reinvestigation on XX/XX/2018, Confirmation # XXXX, showing that the following two former addresses numbered in parentheses as ( 1 ) and ( 2 ) has been deleted from my credit file due to them being MIXED. ( 1 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. ( 2 ) XXXX XXXX XXXX, XXXX, OH XXXX. The two former addresses mentioned and numbered above are still showing on my credit report. I have included with this complaint an uploaded PDF titled equifax dispute results of the Reinvestigation Equifax sent to me by USPS on XX/XX/2018 with Confirmation Number : XXXX, showing as proof that Equifax claimed to have deleted the two addresses even though they are still being reported on my consumer file.
Complaint sub-issue: Company closed your account

After I got my final paycheck from my company, I logged in to my credit card account and tried to make a payment. 

Then I found my account was closed by Citi. 

I was trying to call them, but no one answered the call, I tried to call moreover 20 times.

A few days later, I got the letter from the bank, it showed my account was closed due to " one or more late or returned payments in the past XXXX months ''. 

But since I used the card from 2017, I never missed any payment, but recently I got laid off due to COVID-19 from my company, and the processing of deposit check was delayed, which only caused ONE returned payment. After I got it deposited into my checking account, I already re-made the payment immediately.

But this is really unacceptable that closing my account without ANY notice and even asking. 

At the same time, I have almost XXXX XXXX XXXX on my account, which values at least {$300.00}. But I couldn't even access them, and also no one answered the call from that department. 

I'm really disappointed about the way they did, other banks are taking action when their customers are experiencing a hard time and help us through the special rough time. 

And Citibank did charge me a {$25.00} return payment fee, which is okay and reasonable. But what I can't understand is, they closed my account at this specific hard period even though they already charged me. But at the same time, the US government and other banks issue many acts and waivers to help every people affected.
Complaint sub-issue: Received bad information about your loan

This complaint is in regards to inaccurate advice regarding the public service loan  forgiveness program from loan servicer Mohela. I have worked for a qualified employer for the program since XX/XX/XXXX. I have never missed a payment, to my knowledge since XX/XX/XXXX. When discussing payment plans with the loan servicer in XX/XX/XXXX I was under the impression that the payment plan was " income based ''. 

In XX/XX/XXXX I learned of the PSLF program and inquired with Mohela if I qualified. This interaction was via phone and I have no written record of the conversation, however their on-hold message did mention that the calls " may be recorded '' and there may be evidence of this conversation with Mohela. During that call the representative informed me that my payment plan did not qualify because I was in fact on an " income based-extended '' payment plan. I, naturally, was frustrated as I had missed seven years of what I thought were " qualifying '' payments. At that time I asked the attendant to modify my payment plan to a qualifying plan. 

I do have an email from Mohela with an attached application for PSLF, but based on their statement that I would not qualify, I did not apply. 

In XX/XX/XXXX I learned of the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ). It seemed to address the concerns that I had  regarding the misleading payment plan options. I then inquired with Mohela again in XX/XX/XXXX regarding the TEPSLF to confirm that I could qualify because I had made qualifying payments for at least 12 months and have paid on the loans for 10 years. 

When I spoke with the attendant I was informed that my payment plan did not qualify because it was some sort of hybrid income-based plan. Needless to say I was furious as I thought I could trust the advice from the loan servicer not once, but twice and I was misled. I also learned that I needed to apply and be denied for the PSLF program to apply for the TEPSLF program. I have applied for PSLF and received notification that my application has been received. 

Today, on XX/XX/XXXX I have learned that 99 % of all PSLF applications have been denied, and that the CFPB has resolved very few of these complaints. I also understand the language in the PSLF statute limits the federal government 's ability to be somewhat flexible. But I do think there should be some recourse for loan recipients who have made a good-faith effort to abide by the statute to have these loans forgiven, especially as I and many other hold public service positions that do not allow for substantial income.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : INQUIRIES : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022, 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
Complaint sub-issue: Debt is not yours

I do not owe any medical debt whatsoever. 
Because my My medical Insurance covered 100 %. 
National Recovery Agency do not even disclose who is the Dr. when was the date and what treatment has been taken. 
So, it is nothing to do with me. 
Please stop and cease immediately fraudulent collection activity.
Complaint sub-issue: Problem making or receiving payments

I have been banking with Citibank since XXXX. In this last week I have been charged {$64.00} in overdraft fee. I have called the bank because my account has never gone in the negatives. I have checked my account at XXXX XXXX and at XXXX XXXX when I wake up and I have not seen any negatives. I have made transfers between my accounts because I know there are some payments that will be coming through that day. Then the next day I see I have an overdraft fee. This happened twice the second time I called and spoke to an agent who assured me that I would not be charged anymore over draft fees. I made another transfer to bring my account to positive and the next day Im in the negatives because of another draft fee. According to the manager the agents do not have access to see the transactions been posted that day if they did. I would have been told how much money I needed to transfer that day. I was short {$9.00} and ended up paying {$64.00} because of it.
Complaint sub-issue: Information belongs to someone else

I have disputed this account since XX/XX/2021. This account is part of data breach.
Complaint sub-issue: Information belongs to someone else

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX {$13000.00} XXXX  {$4400.00}
Complaint sub-issue: Other problem

My husband has a credit of {$480.00} on his Discover Card. He has requested his money several times by phone and email but they refuse to send him a check.
Complaint sub-issue: Public record information inaccurate

I had a background check done with a company I am starting a position with. LexisNexis reported that I have a misdemeanor on my record! It was merely a minor traffic violation - a speeding ticket over 14 years ago! ( which should be expunged from record anyway ). 
It happened on XX/XX/XXXX. Court case # XXXX. Court disposition date XX/XX/XXXX. This was in the state of VA, I did not go to court as I was traveling from XXXX - visiting my sister, back to XXXX, XXXX. I paid the fine through mail. 
My ex-husband is a XXXX and even states this should not be listed as a misdemeanor, there was no criminal act or accident or damage done. It is a speeding ticket! 
I called LexisNexis on XX/XX/XXXX as soon as I was shown the record. I was transferred all around by non-english speaking reps and basically told thats what it shows and a dispute would take 40-60 days. This is for employment starting in 2 weeks and it is false!
Complaint sub-issue: Investigation took more than 30 days

I have requested from XXXX XXXX XXXX numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XX/XX/XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the XX/XX/XXXX year and had two change of address. Also, I have contacted XXXX XXXX XXXX requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the XXXX XXXX XXXX report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from Equifax, XXXX XXXX and XXXX.
Complaint sub-issue: Can't use card to make purchases

Last XXXX XXXX Th 2020 I was at Macys to purchase a XXXX gift for my husband-watch that as on sale reduce down to XXXX with a store credit of XXXX on my credit card. My credit card limit is XXXX. The bill came with tax to XXXX. But the machine refuse to deduct the XXXX store credit which would had reduced my purchase. That would had come down to XXXX. The store clerk tried numerous times to get it to reduced my bill using the store credit ( which she could see was on my credit card ). But couldnt do so I had to use a different method of payment. 
I called this wk and spoke to a Macys customer service personnel. When I explain what had occurred she said that as their policy not to reduced the bill even though I had store credit because my bill was over my limit. I told her when you used the store credit toward the bill it was below my store credit. She even refused numerous times to allow me to speak to her supervisor. 
So I contact you and was given options on the best way to file a complaint. 

My question-is this legal? Where I work figs is not allow.
Complaint sub-issue: Debt is not mine

Unable to verify debt. No documentation sent to consumer. Please remove from credit report