Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I have an account with CITI that was closed around XX/XX/2021. The card was a secured card with {$200.00} deposit that was charged to my bank account. After few months, CITI its reporting my account closed but delinquent, my account its not delinquent because i was using my own money as a deposit. I have called many times to CITI, and keep transferring my call around to other people. I can't resolve this issue with CITI.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received 3 promotions so far i only got paid for one of them. 
# 1 : started XX/XX/XXXX and ends XX/XX/XXXX earn a {$25.00} statement credit with XXXX if i make 3 purchases of {$25.00} or more which i did. 
# 2 started XX/XX/XXXX and ends XX/XX/XXXX Shop XXXX and earn a special offer also spend {$25.00} or more on three different purchases which i also did. 
# 3 We 'll Pay You {$10.00}. Just for Paying with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX which i also paid on XX/XX/XXXX through XXXX and the amount was XXXX. 

so far i only got {$25.00} and after i contacted them they send a paper by mail saying that they already credited XXXX before and thats it .. the issue is resolved. Whenever i try to contact them i have to waste an hour or two of my life to contact them. I am really bored of this strategy and if you can help i would really appreciate it. 
I do n't care as much about the money as i care about the whole lies about their promotion! 

I have attached proofs of my claims 11 pictures of the emails i received and other documents
Complaint sub-issue: Card was charged for something you did not purchase with the card

Today, onXX/XX/XXXX, I checked XXXX XXXX and found that a new Discover account had been opened in my name. I did not open this account. A few weeks ago, we received a credit card in the mail that we believe was opened by my father, who has the same first and last name as I do. I suspect he has used my information to open a credit card as my credit is fair. I never opened this account and would like for someone to investigate.
Complaint sub-issue: Application denied

I was denied a XXXX XXXX from the XXXX XXXX XXXX. I'm a frequent customer of XXXX ( to the tune of thousands of dollars a year ), and I often miss out on sales because they are for card holders only. 

I have good ( even " excellent '' ) credit ( XXXX from XXXX   ), over 22 years of credit history, no " derogatory '' items on my credit report : basically nothing negative. I can see no legitimate reason to deny me such a card, but the reason given was, implausibly, " Insufficient Credit Experience. '' I have worked hard to obtain a good credit rating, and I'm surprised and disappointed to see these predatory financial companies deny me credit anyway.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted multiple letters in regards to fraudulent items being reported on my credit report. My consumer rights have been violated multiple times and I have highlighted the violations within the letters I have sent to the credit reporting agencies. I am asking the CFPB to assist me in getting the credit reporting agencies to block and remove the items in which are fraudulent as well as in violation of my consumer rights.
Complaint sub-issue: Was not notified of investigation status or results

On or around XX/XX/2019 I sent a certified, return receipt letter to Equifax requesting method of verification of a medical collection showing up on my credit report with them. I received my return receipt acceptance dated XX/XX/2019. As of today XX/XX/XXXX, I have still heard no word from them. I was asking for a very simple request and because they refuse to cooperate or respond, they are in violation and abusing the system just because they think they can. 

FCRA 611 ( a ) ( 7 ) provides : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Complaint sub-issue: Other problem

I have been a member of XXXX XXXX XXXX for a number of years and have a VISA card with them. I recently received a letter that stated on XX/XX/19 their cards were being switched over to Elan Financial Services. The letter stated I could " opt out '' of the transition if I chose to do so, and needed to contact them by XX/XX/19. The letter went on to recommend I check if I had any rewards points on balance before closing the account and to cash those points out before XX/XX/19. Tonight, XX/XX/19, I contacted the customer service number on my recent bill and was told by Elan services my current credit card with XXXX has a XXXX  balance and a new card has been issued to me. I did not authorize Elan or XXXX to do this and in fact was calling because I want to opt out of the transition. I have a balance transfer check I want to send from my new credit union and place on their new credit card. Elan further stated on the phone that if I closed out my account tonight I would lose all rewards points and suggested I check my point balance before proceeding. I hung up, went to my rewards site, logged in as usual and a message appeared stating " Cardholder does not participate. '' I then called the number on the back of my CC, found my point balance via the automated menu, and then proceeded until a XXXX person answered. After explaining this whole mess, the XXXX customer service person stated " they had jumped the gun '' on the transition. This all violates what is stated in their letter about this transition and I consider it a breech of contract. What recourse do I have to a ) get back my reward points?, b ) stop a credit transfer to Elan, a company I do NOT want to do business with?, and c ) make a clean break with both XXXX and Elan without it impacting my credit? Any help you can offer will be greatly appreciated!!
Complaint sub-issue: Trouble with how payments are being handled

I am reaching out with a concern about XXXX XXXX. I should be getting credit for making nearly 3 of the 10 required years of payments for the Federal Student Loan Forgiveness Program and am only being credited for 8 months! 

Furthermore I have been calling XXXX XXXX for 10 months to get a review and they will not complete one. I asked for a review in XX/XX/XXXX and XX/XX/XXXX that was not completed and then another one this fall. During this 10 month period, XXXX has continued to not count my ( qualifying ) income-based repayments toward the loan forgiveness program. 

I was starting to wonder what could possibly be happening with XXXX XXXX, so I did some research and learned that they were being sued ( before the DOJ intervened last month ) by the Massachusetts AG for this very issue and for never correcting the problem. This is financially a very scary prospect for me since I am not paying off my high interest-bearing loans assuming that I will receive the forgiveness.
Complaint sub-issue: Their investigation did not fix an error on your report

First Progress Card was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " CARES Act '' ) Pub.L. 116-136. First Progress Card was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to  XXXX. XX/XX/2021 " First Progress Card '' reported the account as 30 days late again. Then 60 days late in XXXX and  reflected as current in XX/XX/2021. The discrepancies continued, where XXXX reflected 30 days late and  XX/XX/2021 as 60 days late. Then current in XXXX and  back to 30 days late in XX/XX/2021 and  60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. First Progress Card was notified on XX/XX/2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and  again on XX/XX/2021. It was First Progress Card due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to  negative all in XXXX.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Discover bank had frozen my account and tells me to call immediately. Agents are unavailable and wait time is advised at over 2 hours. After THREE hours of waiting the system times out and call is disconnected. This is NOT right and my money is hostage!!
Complaint sub-issue: Frequent or repeated calls

I have received phone calls daily from all hours of the day on my cell phone, and then my house phone, and then my mothers cell phone. And then my father cell phone all over a debt that was handled in a court case from an apartment that I moved out of over three years ago.this company procollect has harassed us to the point where we have changed our phone numbers and they still continue to call us every day. And when we block their number they change numbers and continue to call.
Complaint sub-issue: Account status incorrect

XXXX XXXX was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed. 
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies EQUIFAX, XXXX AND XXXX
Complaint sub-issue: Trouble with how payments are handled

Great Lakes Higher Education is mishandling government funds from veterans benefits and the federal student loan repayment program. This is a annual problem and every year it is a big process to get GLHE to acknowledge payment was made and to actually apply the funds to my account.
Complaint sub-issue: Reporting company used your report improperly

I recently did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

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 Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/21 between the hours of XXXX and XXXX 21 fraudulent charges totalling to {$710.00} were made to my Direct Express account just hours after my SSI was deposited into the account. 
When I called Direct Express they could not start a fraud claim but did cancel the card and put in a request for a new one. They refused to stop the charges and also denied making a fraud claim as they were 'pending ' charges on the account and told me to call at XXXX the next morning ( XX/XX/21 ) .Not until XXXX XX/XX/21 was I able to get through their automated system to be allowed to start the process for a fraud claim. 
From there they said all fraud claims must be disputed through physical mail and that they would likely be mailing out the forms XX/XX/21 and required they received the forms back by XX/XX/21 regardless of the mail likely will not arrive to my address until the same week they expect it back. The representative said it could take up to 100 days to process the dispute and if they proved the fraud charges then I would be reimbursed. 
This is SSI money for a permanently XXXX adult who is incapable nor allowed to work. The bank offers no way to expedite reimbursement of such funds, no email or online filing option, and their phone service only is available in the middle of the night. This is cruel and unprofessional at best.
Complaint sub-issue: Debt is not yours

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after four separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. They continue to tell me " they have verified the debt as belonging to me '' but refuse to send the methods they utilized to arrive at this conclusion. Yet, reporting this information on my credit file causing me stress and financial harm.
Complaint sub-issue: Account opened as a result of fraud

I received an alert from my Credit monitoring service on XX/XX/2021 that accounts were opened in my name using my personal info, at PNC Bank on XX/XX/2021. I do not, nor have I ever had any past dealings with PNC Bank. I contacted PNC to alert them of this fraud and thankfully the accounts were subsequently flagged and closed before any transactions were able to take place.
Complaint sub-issue: Debt is not mine

I got a call from XXXX XXXX ( spelling? ) with Allied Interstate LLC. He called my work line. I have repeatedly explained to debt collectors that I am not the person they are looking for and they are not to contact me again. I also inform them that they are calling me at work. XXXX left a message and I called him back to again explain that they are harassing the wrong person. I got his voicemail and it contained a phone number to call the main office. I called that number and talked to another gentle man who told me that no one from his office called me at my work number. I assured him that I received the message and he could listen to it if he wanted. He asked for the number that was called and I gave it to him. He told me that that number had already been identified as incorrect and no one from his office would have called it. He did say that he would remove me from their call list. A few minutes later XXXX called me again and I told him the same thing. I was very clear that I am not the person they are looking for and they are NOT to contact me again.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.
Complaint sub-issue: Was not notified of investigation status or results

A dispute letter to remove an item on the Lexis Nexis report, generated in my name, was sent to Lexis Nexis via certified mail on XX/XX/2021. On XX/XX/2021 I sent an email notifying them of the mailing and attaching the letter mailed. According to the certified mail return receipt Lexis Nexis received and signed for the letter on XX/XX/2021. To date I have not received an update or response regarding my dispute despite it being 32 days since I sent the email and 30 days since they received mailing.
Complaint sub-issue: Was not notified of investigation status or results

Received letter in XXXX XXXX from XXXX XXXX of TX about an account default of {$3300.00} on an account I never opened ( my mail was apparently stolen ). I contacted local office. Contacted local police. Received a fraud packet. Attempted to contact fraud dept./XXXX XXXX w/ multiple voicemails & got no reply. Finally got copy of bad check ( accepted by XXXX XXXX ) in XXXX XXXX. On the reverse of the check is my TX DL number. All other info is fake & not my signature. **Also noticed on my Equifax report a Collections from XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX for use of XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never been to such a place ( they are in XXXX & XXXX XXXX, not near me in XXXX ). This is not my bill. I never made this visit and don't know how to correct this breach. 

The police told me they couldn't open a report on what I gave them but I could go to identitytheft.gov & fill out the info which would be like a police report for XXXX. I sent them a letter provided by the website, as well as one to Equifax. 

Since then - XXXX, I have heard nothing back from XXXX XXXX nor anything of substance from Equifax. My FICO score has gone from high ( XXXX ) to the low 600s to back to XXXX.
Complaint sub-issue: Investigation took more than 30 days

I am able to dispute letter to Equifax on XX/XX/21 to investigate unauthorized inquiries as well as accounts listed on my credit report. I have not heard back.
Complaint sub-issue: Funds not received from closed account

XX/XX/2019 {$14000.00} +Bitcoin {$930.00} The company closed my account without notice, contact with them only will email and XXXX, after few days later, the last mail says You will not be able to cash out funds from this company, I ask them again and just ignore my inquires.
Complaint sub-issue: Delay in processing application

PNC is not allowing me to link my account with a XXXX debit card for some reason. Apparently it's the only bank that does not allow the service
Complaint sub-issue: Their investigation did not fix an error on your report

I have multiple to verify and confirm accounts within my credit report and nothing has been confirmed as the bureaus can not confirm whom they have spoken with that verified the debt.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018, XXXX XXXX of XXXX XXXX was given an invitation to bid on electrical work to be preformed at my residence. XXXX XXXX was provided a copy of electrical plans that I have also attached. The same plans are also referenced in several places on the contract dated XX/XX/2018 with the language *per plans. This is XXXX XXXX acknowledgement of receipt of said plans and understanding that work was to be completed in accordance to plans as well as terms of our contract. 
The plans provided to XXXX XXXX state very clearly in writing that all work is to be performed in full compliance with all, city , county, state, and national codes. Texas law also requires that any electrician performing work will do so in compliance with all applicable codes. 
There is NO language on the contract that releases Texas XXXX XXXX XXXX of this requirement, and referencing the plans on the contract in writing further reinforces contractors responsibility for meeting this requirement. I am also adamantly refuting the possibility of XXXX XXXX releasing himself of this obligation verbally or otherwise as he has stated in his supporting documentation. 
XXXX XXXX did not complete any of the contracted work in a compliant manner, defrauded me out of {$4000.00} including {$420.00} of which was charged on my Citibank XXXX. I reached out to Citibank to dispute the charge and they denied my claim. 
Citibank has chosen to side with a fraudulent merchant who has violated Texas state law rather than grant me proper protection under the Fair Credit Billing Act. 
Also attached to my complaint is the result of the investigation performed by the Texas Department of Licensing and Regulation in which they made the determination that XXXX XXXX was in violation of Texas statue as it relates to work on my property. Why has Citibank taken it upon themselves to make a different determination and violate my rights in the process?
Complaint sub-issue: Information belongs to someone else

everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me
Complaint sub-issue: Old information reappears or never goes away

I have a business credit card from   XXXX   and they used to report it to my personal profile, however, after I disputed it  XXXX  and   XXXX    removed it based on it being a business account however, Equifax still did n't delete it.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX This inquiry does not belong to me
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Contacted your employer

To start with they put on my credit opened XX/XX/XXXX. This account was opened in XXXX and I moved somewhere where they didnt have services! They have called me multiple times and called my employer at XXXX XXXX. The balance is {$110.00}. This should be removed from credit and for them to quit harassing me!