Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

I opened an account on  XXXX / XXXX /   2017  with Citibank using my  XXXX  number. They opened the account and I funded it with a transfer from my neighborhood  Credit Union  account. Everything was fine, they sent me a welcome packet, a card and some checks. They  one  day I was unable to use my account. Then I received an intent to close letter regarding my newly opened account stating they had received information from  XXXX    XXXX    XXXX  and that they  XXXX   XXXX   XXXX  was going to close my account. They said in the letter Dated  XXXX / XXXX /   2017  that I needed to step into a branch to close the account, or they were going to close it within 10 days of the date of they letter. I had transferred over {$2500.00} into this account, and Even opened up a  CD  with them at this point. They also stated in the letter that no more deposits were going to be able to post or debits. A week later a transfer that I could not cancel that was set into action before I knew of the closing was deposited into the account, yet I can not get any of the funds out and they still to date  XXXX / XXXX /   2017  have not closed the account. I have spoken to them on the phone and all they tell me is I need to call  XXXX   XXXX    XXXX   and they will be the ones to issue of the check with the balance of the closed account.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Complaint sub-issue: Account information incorrect

I paid off a car loan early, to XXXX XXXX XXXX XXXX XXXX XXXX, via an online payment ( ACH ) of {$3400.00} approximately, from my XXXX XXXX XXXX checking account on XX/XX/XXXX. Per XXXX XXXX XXXXXXXX ( XXXX XXXX they were noticed by XXXX that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by XXXX to XXXX. On XX/XX/XXXX, XXXX returned the check to XXXX. XXXX also sent us the car title, indicating the loan was paid in full. Then, XXXX proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with XXXX, from our XXXX checking account to AHF. XXXX accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from XXXX  of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the XXXX account online for our account. XXXX worked with us this evening to call XXXX to resolve what happened and get whatever documentation XXXX needed to remove the negative credit report. XXXX refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does XXXX or XXXX become responsible for fixing our falsely reported credit gap? Also, at what point, does either XXXX institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from XXXX to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad credit score XXXX drop Of XXXX points XXXX, and still unresolved problem.
Complaint sub-issue: Debt was paid

This service was cancelled when I changed companies. The account was cancelled due to poor service in my area.
Complaint sub-issue: Account information incorrect

After receiving a response from Discover and XXXX regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. XXXX is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and XXXX, Discover is reporting false and inaccurate information. A representative by the name of XXXX from the Executive Office oXXXX XXXX XXXX for Discover, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by XXXX nor XXXX from Discover as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from XXXX on a recorded line for them to review the Discover account confirm that the account was closed, but still reporting a pay history up until XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$82.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$110.00}
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX , FL XXXX
Complaint sub-issue: Personal information incorrect

THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING. This series of misreporting seems to me clearly involves a universal and complete failure by this credit company to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681 1. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) these two address are NOT REPORTING " current/accurate '' XXXX XXXX XXXX XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX Mi XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 

3. ) these two phone numbers are reporting inaccurate XXXX INACCURATE XXXX INACCURATE I have disputed the actions above 3times explaining the reason why i am disputing, what i am disputing and i also sent a copy of my Identification and social security card. Each time they sent a letter back requesting i provide what i am disputing and why. i have attached the last letter I've sent them, the return letter from XXXXXXXX XXXX  and my Identification i sent them.
Complaint sub-issue: Reporting company used your report improperly

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to use myinformation toathirdparty for the following 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 Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection  agency.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX 10 rookie card on XXXX.after receiving the card I notice it did not appear authentic I contacted XXXX and sent a card in and they confirmed with a certified letter that it was not an authentic XXXX 10 graded card. I I first contacted the seller he came very defensive it said I must have done something to the card and refused to refund my money. I then contacted XXXX who said since I paid through discover they recommended I file a dispute with them. Now on XX/XX/XXXX discover denied my dispute saying the transaction was found to be valid since I received a card. I again contacted discover who stated that they couldn't do anything more for me and I should contact XXXX or look up online what other people have done in this situation.
Complaint sub-issue: Company closed your account

Hi - We have opened and maintained with Citibank 's checking, saving, and credit card accounts for more than 10 years. Suddenly, the Bank closed our checking and saving accounts in XX/XX/2018. We've tried to contact Citibank so many times to find out the reasons why they closed our accounts. After multiple phone calls, we've exhausted our options to obtain the answer from the bank. So we kind of giving up our request. 

In XX/XX/2018, Citibank also closed our credit cards accounts. We again tried to contact Citibank so many times to find out the reason why the bank also closed our credit card accounts and the bank would not give us any answers. At this point we were so exhausted and stressed with the situations. At that time we have earned so much points for a cash rebate of approximately {$1500.00} for 2018 purchases and we asked about our cash rebate. We were told by Citibank that we will not receive the cash rebate. 

We are struggling with the bank two main issues : 1 ) trouble to obtain an answer from Citibank why they close all of our accounts 2 ) why they are not sending us our cash rebate check of approximately XXXX XXXX. 

We feel that we are being robbed by Citibank because we've earned so much cash rebates from the promotions they offered us 1 %, 2 %, and 3 %. 

Please help us how to approach to Citibank to get an answer and to receive a cash rebate check from them. They are a big corporation and they know the system so well how to get around us. 

Our contact number is XXXX ( mobile ). 

Thank you, XXXX & XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX XXXX, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/XXXX in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;
Complaint sub-issue: Transaction was not authorized

I have been lied to repeatedly by PNC bank..I had a transaction that comes out automatically, it did it twice. I immediately called the bank, first they say if I go online, I can cancel the transaction.. ( first fib ) I called back and asked for it to be removed, I am told I have to do a dispute.She says she filed it after asking me to verify my account. I call a few days later. I am told no dispute was filed..ask for it be filed again, I call two more times, it still wasnt filed, speak to a supervisor he says it has to be filed because how do they know I am being true full. I ask him is he saying I am lying, he says how do they know I am not, he says he filed a dispute..I hang up, call back in two days..Still no dispute filed..I email the ceo and someone calls files the dispute but I have to wait 10 days for a resolution, I have already waited two weeks, I explain my paycheck will come in and a bill payment and with my account being in the negative it will cause stress to my account and me. My check had to be mailed to avoid this, I still havent received it, my rent is now late, bill payment behind.. I was told when I opened my account by the assttant manager at the branch about overdraft protection and that I should add to my account, which I did. I assumed the overdraft protection would be in place to take care of this.. I speak to someone named XXXX from there executive customer services who proceeded to tell me that overdraft protection is used through what you have in savings and if I wanted true overdraft protection I have to do a credit application.. I would like them to be held accountable for continually lying, I have the calls taped as I am XXXX in one ear and my calls tape and or transcribe.They treated me very poorly in the first transaction.Calling me a liar and acting as if it was a {$4000.00} transaction and it was {$46.00}. and some cents..This bank is mulipulating consumers intentionally.
Complaint sub-issue: Problem getting your free annual credit report

I went to : https : //www.annualcreditreport.com website that was linked on the Equifax website : https : //www.equifax.com/personal/help/free-equifax-credit-report/ website. 
The button for the Equifax credit report gives this message : XXXX XXXX XXXX XXXX This is again how credit bureaus avoid complying with the law. They want to force you to open an account with them so they can steal more information from you and even try and upsell you to pay for the very information they have stolen from you in the first place without permission or remuneration! 
I want the free annual credit report I'm entitled to without the XXXX.
Complaint sub-issue: Charged too much interest

In XX/XX/XXXX I made a purchase of {$1100.00} at best buy using the bestbuy credit card issued by XXXX. The purchase was made through a promotion of of 0 % deferred interest for 2 years. 
I continued to use this account for other transactions and made another purchase for {$650.00} through an 18 month 0 % deferred interest offer on XX/XX/XXXX. 

I continued to make payments on the promotional offers and told citigroup verbally over the phone on XX/XX/XXXX and in writing by registered letter on XX/XX/XXXX that I wanted my payments to go directly to the 0 % promotional offers. 

On XX/XX/XXXX, I was hit with an interest charge of {$800.00} for the XX/XX/XXXX purchase even though the balance was ALL PAID OFF. 

On XX/XX/XXXX I was hit with another interest charge of {$280.00} for the XX/XX/XXXX purchase even though again the balance on that charge was entirely paid off. 

In XX/XX/XXXX I contacted Citi to address the charges and requested that they be reversed. They indicated that nothing could be done about the matter and that it would have to be escalated to a manager. Unfortunately, I over the next several months I had to deal with covid-related family emergencies and wasn't able to take up this issue again until XX/XX/XXXX. 
In XXXX I spoke with a representative and two manageXXXX who again declined to address the matter in a fair and honest manner. In fact they refused to do anything to address the matter.
Complaint sub-issue: Reporting company used your report improperly

To remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not supposed to share my information with third-party people. This is a clear violation of my federally protected consumer rights.
Complaint sub-issue: Funds not received from closed account

CitiBank has closed my account without reason sinceXX/XX/XXXX to date, XX/XX/XXXX I have not received my account balance since closure.
Complaint sub-issue: Account information incorrect

Equitfax sent  incorrect credit score to  XXXX . All other lenders got an  XXXX  score, while   XXXX   XXXX   was provided a  XXXX  I was not given the lower interest rate, but the rate of 9.09 % I tried to ask Equifax why, and they just said, I had no adverse information, but could n't give my credit score as it was confidential.
Complaint sub-issue: Public record

Hello, I filed a dispute with Equifax because they are STILL incorrectly showing a discharged bankruptcy on my credit report. 
I am NOT disputing I filed the bankruptcy, what I am disputing is WHY is it on my file? The Bankruptcy was filed as a Chapter XXXX in XX/XX/XXXX. In fact, XXXX were filed because I did not understand the process. Both have been discharged and per the credit report limits, should be removed in XXXX years. 
Equifax is REPORTING the Bankruptcy as being filed in XXXX XXXX - an outright lie. In XXXX XXXX, they received a notification to delete the BK file or notice to delete the file. Instead, they flagged my account as if this BK was filed in XX/XX/XXXXi. Even though the BK info clearly shows the date filed, discharged ( XX/XX/XXXX ) and status as a Chapter XXXX. 
I am so tired of having to contact you regarding these credit bureaus. Equifax is negatively and willfully impacting my credit score by having erroneous information, presented as " current '' XXXX shows NO public records and that is correct. Please investigate on my behalf. 
Thank you. 
Disposition Date XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXDisposition Date XXXX/XXXX/XXXX ; Date Verified XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX : ( XXXX ) XXXX is the address for both filings. As you can see, both are older than XXXX years old and should no longer show on my credit report. Unless you are trying to force my credit score to remain lower. How many years must I pay? 
Thank you
Complaint sub-issue: Called after sent written cease of comm

In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to XXXX. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted XXXX and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to XXXX via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from D2 Management claiming to represent XXXX to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to XXXX