Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Pursuant to 15 USC 1692c ( c ) - notify debt collector in writing to cease and desist all communication. Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Complaint sub-issue: Their investigation did not fix an error on your report

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and They keep charging my almost {$60.00} INTEREST EVERY MONTH. Equifax is still showing this account as open and it should be showing paid/closed, This is all a direct violation of FCRA. 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 re-investigated.
Complaint sub-issue: Account information incorrect

are reporting inaccurate information effecting me from getting a job that less to me stressing and lack of sleep mental breakdowns
Complaint sub-issue: Investigation took more than 30 days

IN RESPONSE TO CFPB : XXXX THIS IS NOTICE THAT IT HAS BEEN MORE THAN 30 DAYS THAT YOU HAVE NOT RESPONDED TO MY COMPLAINT. PER FCRA CREDIT REPORTING ACT YOU HAVE TO DELETE THE ACCOUNT REQUESTED IF THERE HAS BEEN NO RESPONSE WITHIN 30 DAYS. NOTED MY INITIAL REQUEST WAS SENT THROUGH THE CFPB ON XX/XX/XXXX AND TODAYS IS XX/XX/XXXX. I HAVE GIVEN PLENTY OF TIME TO DISPUTE THE REQUESTED ITEM PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO PURSUE FURTHER LEGAL ACTION. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX AND CREDIT INQUIRIES ARE NOT MINE XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX   XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto  Financing  XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + National Credit Card  Cos. 
( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent  information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of identity theft and was made aware by XXXX XXXX banks incompetence. They caused me to lose thousands of dollars by not accepting my disputes but i then became aware of my identity being stolen charges made on credit cards and accounts open. I contacted the FTC and was reassured that the evidence was more than sufficient and I should have my credit back to normal by 2019 but have not heard anything and Ive had to resubmit disputes. XXXX  is being responsive but slow and I have to file new reports one at a time. Equifax and XXXX  have been unresponsive please help.
Complaint sub-issue: Can't close your account

I had a Brooks Brothers XXXX account. [ Brooks Brothers/CBNA, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ] They have refused to close my account, despite multiple, repeated requests. 

On XX/XX/2022, they sent me an email asking for feedback about my recent online experience with them -- even though I had not recently accessed the account in any way. I called the company to inquire whether my account was compromised in any way, but they were very dismissive and suggested there was no need to be concerned. I requested to cancel my account, because I had doubts about their cyber security policies and capabilities. The representative on the phone told me she would cancel my account. 

A few days later ( XX/XX/XXXX ), I got a second email asking for feedback. I also got a separate email saying " Your replacement card is on its way '' or words to that effect, even though I had never requested a replacement card -- rather I had requested to close the account. 

I called their cardholder service number again, and again was told that they would close the account. 

A week or so later, they sent me a new card. Again, to reiterate, I never requested a replacement card -- rather I had twice requested to close the account. 

Today, ( XX/XX/2022 ), they sent me a marketing email saying I have {$8000.00} of available credit. 

I shredded the new card they sent me, but they should be able to look up my account from my email address -- XXXX. 

The result is, I have an open line of credit against my wishes, despite repeated requests to close the account.
Complaint sub-issue: Information belongs to someone else

Equifax completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how Equifax could have verified the account information when I, myself, have contacted XXXX XXXX on multiple occasions and received no response. Once was through direct mail, the other through the Consumer Financial Protection Bureau. XXXX XXXX now only appears on my Equifax report. Neither XXXX  or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation XXXX XXXX.. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The company never sent the proof of debt validation but they continue to report the erroneous information. For your convenience I have included a copy of the deletion transcript provided by XXXX and XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX, I would like to know a detailed description of how Equifax, verified the information.
Complaint sub-issue: Debt is not yours

This company is reporting a debt I have never open in XX/XX/2020. Will not send validation paperwork and is reporting as accurate to my credit report I have no knowledge of this account.
Complaint sub-issue: Deposits and withdrawals

On the XXXX of XXXX, I went to the XXXX gas station On XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and tried to withdraw XXXX, from a PNC BANK ATM using my bluebird card. I then realized I had to move my money out of my savings account to my checking first. So I canceled the transition. Using my cell phone, I moved the money out of savings into my checking account put the card back in the atm ask for the XXXX an waited! ( Nothing came out ) so I reopen my XXXX  app looked in my checking account to find the money was gone then looked back at the atm to see a statement saying Temporary out of service I took a picture and then called XXXX a investigating was started Hi XXXX XXXX, We have concluded our investigation of the following dispute : Transaction Details Case Number XXXX Amount {XXXX  Merchant ( XXXX ) PNC BANK We have completed our review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested ; there is no error found in the amount of {$XXXX}. XXXX part After submitting my complaint with pnc bank by Consumer Financial Protection Bureau they investigated and found fault on their side and did a chargeback. I then contact bluebird to reopen the dispute and gave them the information and document that show i was to be issued back my XXXX. XXXX sent me a letter saying pnc didn't return the money that have completed their review and have determined that no credit is due. The transaction will remain on your account because : The ATM provider confirmed the funds were dispensed for the amount requested.
Complaint sub-issue: Account status incorrect

In XX/XX/20 I refinanced my vehicle loan through my credit union. I was originally with XXXX XXXX XXXX and went to XXXX XXXX XXXX XXXX for my refinance, which was approved and XXXX XXXX XXXX XXXX paid off the loan through XXXX XXXX XXXX. On XX/XX/20 I called XXXX XXXX XXXX who confirmed payoff received. On XX/XX/20 I called XXXX XXXX XXXX and they confirmed payoff information was reported to the credit bureaus on XX/XX/20. Ive waited and tried to speak with XXXX XXXX and XXXX XXXX XXXX about my credit report showing both parties having an open loan for my vehicle finance and they advised me to reach out to Equifax. Ive tried calling and have been told to go online and dispute with Equifax to have the loan with XXXX XXXX XXXX removed, however, the online option for disputing is not available and has not been available on multiple occasions. It has been past 30 days since receipt of the original finance companys acknowledgment of payoff with no correction and it is effecting my ability to apply for a home mortgage
Complaint sub-issue: Confusing or misleading advertising about the credit card

We were purchasing a television at Best Buy. I made it very clear that I would take the 24 month financing option if and only if it was an asset backed loan and not just credit card financing. We even talked specifically about how more credit cards would not help to diversify credit, but a different type of loan ( e.g. unsecured line of credit, mortgage, car lan etc ) would. 

Best Buy assured me that it was an asset backed loan, but that I had to open a credit card to get the financing. 

What actually happened is they simply opened a credit card with 0 % interest for 24 months with no additional steps. It was an outright lie to get me to buy their product.
Complaint sub-issue: Information belongs to someone else

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I hired XXXX XXXX XXXX XXXX to shuttle my vehicle and trailer from XXXX XXXX, Arizona to XXXX XXXX, Arizona, a distance of XXXX miles. While my vehicle was in the care of XXXX XXXX XXXX XXXX, it was driven XXXX miles. 

I disputed the charge of {$350.00} with my credit card company, CitiBank, and they agreed with my dispute, but the merchants bank would not refund the charge.
Complaint sub-issue: Banking errors

In XXXX, XXXX I filed a fraud claim against a company in California. The person who took my complaint XXXX, gave me Case number XXXX. She incorrectly charged the wrong company, XXXX with fraud. A few days later when I found this out about this error, I called Citibank and talked to XXXX who I reported this error to and again named the company for which the fraud complaint was intended for. XXXX assigned me case number XXXX. The case of fraud against the California company was resolved in my favor 3 months later. I received a letter from Citibank in XXXX, XXXX asking if I wanted to drop charges against XXXX. I then called and spoke to a Citibank customer service person who said I had to sign the letter that I did not want to press fraud charges even if I never charged XXXX with fraud. I asked to speak to supervisor XXXX who said to ignore the letter since he could see I had informed Citibank of the error in XXXX, XXXX. I then started having a problem with XXXX and an inability to use my debit card with them. I reported this problem to supervisor XXXX XXXX on XXXX/XXXX/XXXX. He said it should be cleared up in one week. I made contact with customer service that I was concerned that XXXX did not give me a case number and that he would not send me an email confirming what he would do. I later received an email that it might take another 3 more months to clear up, but still no case number assigned to the problem. I emailed XXXX XXXX XXXX in XXXX XXXX at the Citibank executive response unit in XXXX XXXX and she said she would investigate and then a week later stated in an email to me : " XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding the use of your debit card with XXXX. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. '' She then stated the " case was closed. '' I still can not use XXXX to purchase items and it has been almost a year that I reported Citibank 's error and now XXXX XXXX XXXX will not respond to my emails and normal customer service at Citibank will not address the problem since it has been handled by the executive response unit.
Complaint sub-issue: Reporting company used your report improperly

i am a victim of id theft due in part to the equifax data breach. i am a member of the class action lawsuit against equifax and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
Complaint sub-issue: Personal information incorrect

Addresses are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Fee problem

In XX/XX/2020 I opened a Citibank " Miles Ahead '' savings account with a deposit of {$50000.00} that offered a XXXX XXXX miles incentive for making a deposit and keeping it on deposit in the account for 90 days. I fulfilled the requirements of the incentive, and today wished to withdraw my funds. Citibank makes this process very onerous, and essentially has created a set of rules where I can only withdraw my funds by paying them a {$25.00} fee, which I would argue is not adequately disclosed until you ask to withdraw your money. 

Specifically on XX/XX/2020, when I went to transfer my funds back to my checking account at a local bank, Citibank informed me that the Citibank Miles Ahead account has outgoing transfer limitations of $ XXXX per month which they indicate is for " security reasons. '' However, if you pay them a {$25.00} fee, the " security reasons '' apparently are alleviated, and I can transfer my money immediately in a lump sum. Unless I wish to withdraw my money in increments of $ XXXX a month over a 3 month period, I would be forced to pay the fee. The only alternative offered was that I could visit a branch ( the closest which is several hundred miles away in another state ) or that I could close the account altogether and receive a check by mail in 14-21 days. I was inclined to do the later, however doing so would prevent me from receiving the account opening incentive, as Citibank has an additional requirement that the account must remain open ( although allowed to have a lower balance ) until the incentive is paid, which apparently can take as long as 90 days XXXX or longer based upon what I am reading online from many unsatisfied customers ). 

I spoke to a telephone representative at Citibank, and they were unwilling or unable to waive the {$25.00} fee. I researched this issue online, and apparently I am one of many, many customers complaining about this particular issue, and the charging of {$25.00} to simply regain access to my money in an efficient manner. Leaving me no other option to access my money in a reasonable timeframe, I was forced to pay {$25.00} to transfer the money out of my account on XX/XX/2020. 

The Terms and Conditions provided when I opened this account make no mention of these restrictions or fees. I have attached a copy of the document. 

I would request assistance in being refunded the unreasonable {$25.00} fee, and would further request that the CFPB look into the unreasonable access restrictions that Citibank has placed on accounts to limit consumers access to their own money without paying excessive fees.
Complaint sub-issue: Banking errors

I have a transaction on my savings account with Citibank that says " Other Withdrawal '' for {$16000.00} on XX/XX/2019. I did not do this transaction. Citibank refuses to tell me ANY details about the transaction. I'm not even sure if the charge is being disputed or investigated. I've been bounced around on the phone several times. I will go in sequential order 1 ) In early called citibank to find out why they are closing my account. They said there was a fraud issue and that they would close the account and mail me the funds if I verified my address. I verified my address and they mailed me a check for only {$1600.00}. This was the money that was in the checkings account. They did not mail me the money from the savings account. 

2 ) Upon receipt of the check i called back again and asked them where is the savings account money? They told me it was going to come in a separate check. That check never came. 

3 ) On XX/XX/2019 I called Citibank back and they still refuse to tell me what is going on with this transaction. How did this transaction happen, when, where, what is it? Where did the money go? No answers. 

Citibank has my money in limbo. I want to know what is going on. Please note the following : Citibank never contacted me to inform me of ANY of this proactively. No email. No text. No phone call. I had to find out on my own by trying to access my account.
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 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.