Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

Citibank sent my new Citi Priority Debit Card ( CPDC ) to a non-address in XXXX by omitting the last digit of my house number in my mailing address. And my mailman did not ask if anyone in my row of townhomes was expecting an evelope from the US. 

As a result, my new CPDC was returned to the sender and subsequently destroyed. 

My mailing address had been entered incorrectly or changed in my account without my permission, as the email sent by Citibank informing me of the imminent arrival of my new CPDC was full of abbreviations, a shortcut that was not my doing as my communication with Citibank service representatives on XXXX shows. 

Moreover, the change mailing address feature in my online account has been disabled for some time. 

In order to have another CPDC sent to me, Citibank required that we go on the phone. 

We did just that and Citibank proceeded to have me fail their personal question test, because the service representative asked me for an " alias '' which I might had used when opening this joint account instead of for the name of the co-holder, who is my father. 

The confusion threw me off, and I told the representative I had heard what sounded like the mentioning of my father 's name at the end. When pressed for an answer to a possible " alias '' used, I could only say " none of the above ''. 

I was told that I had failed the personal question test. One strike against me, and I was out. 

I would like to add that several of the multiple choices provided for the " alias '' I was asked to choose from, were poorly pronounced XXXXsounding names. 

I ask Citibank : Where is that training for cultural literacy and an end to racism? I expect a well-known American multinational financial services provider to be more professional. 

PS : I have attached XXXX ( XXXX ) screenshots of evidentiary materials to support my case. Attachments # XXXX show our communication on XXXX and an email from Citibank ; XXXX # XXXX shows my expired CPDC.
Complaint sub-issue: Reporting company used your report improperly

In late XX/XX/XXXX, I noticed a fraudulent charge on my XXXX XXXX at a XXXX XXXX in Oklahoma for {$870.00}. I 've never been to Oklahoma, so I knew this charge was obviously fraudulent. I called and had the charge removed, and was issued a new card. This is the first time I 've ever had that happen to me. I received a call from XXXX on XX/XX/XXXX asking a follow-up question about the charge. I called back on XX/XX/XXXX, and they asked if I knew a " XXXX XXXX '' to which I said " No. '' On XX/XX/XXXX, I learned about the Equifax hack, and that the two may be connected. On XX/XX/XXXX, I checked www.equifaxsecurity2017.com to see if my information was impacted, which it was. On XX/XX/XXXX, I checked my credit report through XXXX, and placed a 90-Day Fraud Alert with the three credit-reporting bureaus, through XXXX. I plan on submitting an IRS Form XXXX, and enrolling in Equifax 's TrustedID Premiere before the enrollment period ends on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.
Complaint sub-issue: Information belongs to someone else

There are several accounts on my credit report in error. I ask that they be investigated into and then the credit bureau takes the next appropriate actions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with * XXXX XXXX XXXX, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX XXXX XXXX, ACCOUNT # XXXX * XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt is not mine

Procollect calls me all the time. They must have the wrong number.. I do not know the person they are trying to reach I asked them to stop calling me but they have n't.
Complaint sub-issue: Debt is not yours

My ex husband took my son to the hospital. He put me down as the responsible party. I was not present and was not aware until I received a bill in the mail. I tried working this our with the doctor which was unsuccessful. I have disputed with all credit bureaus and XXXX XXXX is the only one that has removed this charge.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Attempted to collect wrong amount

In late XXXX, 2020 I purchased a personal computer from Best Buy at which time I was told I could not pay anything for 18 months if I applied for their in house credit card. 
I decided to accept this offer. 
In XXXX I began trying to pay the balance ( {$1200.00} ) in whole as I had the funds In XXXX after several unsuccessful attempts to contact the company and make payment I started receiving mail telling me I had a " late payment fee ''. 
This is deceptive practice initiated by a large corporation. Action against these companies is necessary in maintaining order in our economy and protecting consumers.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX, GA XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I sent a certified letter to loan company Republic finance XXXX SC and asked them to not contact myself or my father regarding his acct. last month I called to ensure they got it and manager XXXX states they did. My father has XXXX and XXXX   causes his XXXX XXXX go up and he gets sicker. I received another certified letter from them today about what is due on his account. They are harassing us and this has to stop.
Complaint sub-issue: Information belongs to someone else

I have had my identity stolen and I have contact the police and received a report and sent it to both Discover XXXX XXXX XXXXl. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.
Complaint sub-issue: Information belongs to someone else

I have been monitoring my credit for some time now and when I received my most recent update and it shows an account with the Department of Treasure in the amount of XXXX and I do not owe the govement anything, nor have I received anything from them indicating this. There is no open date showing nothing. I then called the number listed on the report and it indicates it's an nonworking number. This needs to be removed
Complaint sub-issue: Company closed your account

I worked with Citi to access my credit card account and they closed my credit card account against my will. I am worried that this will impact my credit score. I will promptly work with Citi to try and re-open the account, but I have the same concern. I am worried that my account closure will affect my credit score when there is a lack of sure-ness about if their processes " identifying the fraud event '' is so sure or not. regardless, I requested that they don't close the account, yet they closed it anyway.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE ATTEMPTED ON SEVERAL OCCASIONS, TO REMOVE THE FOLLOWING ACCOUNT, WHICH IS CURRENTLY REPORTING NEGATIVELY ON MY CREDIT REPORT : XXXX ( XXXX ). THIS ACCOUNT DOES NOT BELONG TO ME, I CAN NOT EXPRESS THE AMOUNT OF CONCERN I HAVE AS TO WHY EQUIFAX HAS NOT BEEN ABLE TO REMOVE THE ACCOUNT OFF OF MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO CORRECT THE ERROR WHICH HAS CAUSED THE HEALTH OF MY CREDIT SCORES TO OVERALL DETERIORATE. PLEASE ASSIST ME WITH THIS MATTER, AND REMOVE THE ACCOUNT COMPLETE. I'D GREATLY APPRECIATE IT.
Complaint sub-issue: Debt is not yours

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I no longer have my breakdown loans paid off or discharged but I do have my chapter XXXX discharge papers. My Citibank 2nd mortgage amount of about {$400000.00} subsequently discharged on XX/XX/XXXX. Citimortgage possessed a junior lien on my property that was subsequently stripped by the Chapter XXXXBankruptcy Judge in XXXX CA around XX/XX/XXXX due to the property being upside down. The last payment I made on this account was posted on or about XX/XX/XXXX. 

Two days ago I received a letter that looks like they are attempting collection efforts. I called and spoke to XXXX at number on letter and he said your agency is requiring them to resend these letters to all consumers to have for their own information. The letter shows they received payments after that thru XXXX, which can not be legally possible due to lien strip. 

I stilll dont feel comfortable with Citibanks reply today and I feel they are still attempting harassing collection efforts.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a request to Equifax for report confirmation number XXXX. 
I requested an investigation of two collection accounts that appear to be fraud. 

1-XXXX XXXX # XXXX 2-XXXX  # XXXX. 

They did not reply within 30 days and I waited and extra days to see of they mail anything to me with results to my dispute. 

Since they have not sent me any results I went online and obtain my new credit report for the annuacreditreport.com website that they provide. 

I see both accounts are reported, they are not reported as disputed, which means they did not investigate within 30 days.
Complaint sub-issue: Company closed your account

Hello, I opened an account with Discover back in XXXX of XXXX. Several months later I was told that I needed to sign some paperwork. I called into the customer service center to let them know that I was out of the country working and would not be back for several months. They said that was fine and to just sign the paperwork when I got back. However before I returned home they canceled my account. I called in and they said that it was too late and that I could reapply if I wanted too. I decided it was not worth the effort. This was a secured card that I gave them {$500.00} to help rebuild credit. This was in XXXX of XXXX. I called in today to see when I would get my security deposit back. Please note that the account and charging privilege 's were canceled in XXXX. They informed me that it would take two 30 day billing cycles plus 7 business days. So, basically 67 days. This is ridiculous. How is that even possible. Not to mention they will be sending me a physical check and not putting it back in my account ( the way I had to make my security deposit ). I have never heard of such a thing. This is the way the treat people who are trying to do better in life. I need my money. How can it be legal to hold someone's money for that length of time????
Complaint sub-issue: Fee problem

I spoke with a representative from PNC around XX/XX/XXXX or XX/XX/XXXX.  They said that a credit of {$500.00} would be transferred back into the account to compensate us for the confusingly labelled fees to view the images of the checks.The original complaint is XXXX. 

We never received that deposit. We did receive a deposit for {$350.00} but it was not the full amount that they stated on the phone they would make. 

XX/XX/2018 SERVICE CHARGE PERIOD ENDING XXXX XXXX {$350.00} This is disappointing to have to go back and request the full amount. 

What's even worse, we have not viewed any images at all since then. And we received another automatic transfer from our account for {$240.00} XX/XX/2018 SERVICE CHARGE PERIOD ENDING XX/XX/2018 {$240.00} At this point, the CFPB is the only course of action I have to try to remedy this issue and stop these erroneous and expensive charges. I have exhausted all options with the local branch and a top representative from the bank that handles customer service.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2021 Flagship Acceptance made a hard inquiry on my report. That I never authorized and I do not have an account with this company. I asked them to investigate the matter and they stated they needed further information and proof that I notified consumer financial protection bureau. However, they did say they could not find my account and needed further details.
Complaint sub-issue: Personal information incorrect

I have spent hours on the phone with Equifax trying to resolve this issue, to no avail. 

Their Dispute resolution system does not have sufficient functionality to address this issue, and the support agents are unable to address the issue, effectively putting me into a circular event loop where resolution is impossible. 

Equifax is reporting a past address as current, and a current address as past, offering no possible method to resolve the issue. The address listed as current in over 4 yours out of date.
Complaint sub-issue: Attempted to collect wrong amount

I moved back to the US after living XXXX  for 4 years XXXX, and without US health insurance yet. But on XX/XX/XXXX, I had a necessary appointment with my XXXX XXXX XXXX and received a list of prices that would have equated to a XXXX  XXXX dollars, but when the bill came in it was for {$3000.00}. On XX/XX/XXXX, I talked to the office Supervisor, XXXX XXXX, and asked how that was possible when nothing on the pricing they gave me even equated to {$1000.00}, and all I had was an initial consult and XXXX XXXX. The Supervisor apologized and informed me that I had been given the XXXX prices, and their prices had increased significantly in the new year, but she immediately contacted someone named XXXX XXXX and cc 'd me asking if they would please honor the pricing I had been quoted. 

I never heard back from XXXX, and on XX/XX/XXXX I was contacted by billing informing me that I was being sent to collections. I explained the situation, and they told me to email everything I had just said to XXXX to avoid being sent to collections and to have someone contact me about my case. I did this immediately after hanging up the phone, using the original email sent by the medical office 's Supervisor saying they gave me the wrong pricing ; replying all in addition to adding the customer service email. Again, I heard nothing back, and on XX/XX/XXXX, I went back to the office and once again spoke with the office Supervisor. She apologized and assured me that she was going to take care of it. 

In XXXX, I received a call from a collections agency stating that they had my account, again I explained the situation to them, and offered to send them proof. She assured me that that would not be necessary, and she would contact XXXX about the case. Today, I received an account validation letter from IC System debt collectors dated XX/XX/XXXX simply stating that I need to pay them the money.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 & XX/XX/2022 I reported to Discover that I had made payments to them in previous months and they did not properly credit credit my account. Later on they finally gave me a temporary credit and told me to submit documentation, I did and they told me that my account was closed, and I would receive a letter in the mail. It is XXXX and I never received anything. This was for Dispute # XXXX XXXX XXXX XXXXer 1026.13 ( b ) ( 2 ) ( c ) Billing error resolution : 2. Correction without investigation. A creditor may correct a billing error in the manner and amount asserted by the consumer without the investigation or the determination normally required. The creditor must comply, however, with all other applicable provisions. If a creditor follows this procedure, no presumption is created that a billing error occurred.

3. Relationship with 1026.12. The consumer 's rights under the billing error provisions in 1026.13 are independent of the provisions set forth in 1026.12 ( b ) and ( c ). ( See comments 12 ( b ) -4, 12 ( b ) ( 3 ) -3, and 12 ( c ) -1. ) ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.

I have not received anything yet, and they have reported adverse action on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}