Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, a check XXXX ( check advance ) for {$920.00} was processed against my account that I never received, signed or approved. My account is set up for automatic payments, but my account had a XXXX  balance for many months. I noticed this charge in XX/XX/XXXX, and immediately called them to report on XX/XX/XXXX. The claim number is XXXX. They closed my card and sent me a new immediately and advised me that they would take care of this. I made several calls to ask about this investigation, asked to speak to a supervisor ; was told a supervisor would call me back and that the fraud department would take care of it. Being a long standing customer since XXXX, I never doubted the bank would not protect me. After hearing nothing from Citi, I called back in early XXXX and was told that my claim was closed. I never received any written correspondence about my claim from Citi, which I believe under a bank regulation they are required to do. 

If Citi bank reviews their call-in records they will see the numerous calls I made. In addition, I requested a copy of the fraudulent check and was told that they could not provide. I do not understand why, if there is fraud on my account the bank should prove to me the signature on the check, because it is not mine. 

On XX/XX/XXXX, I called them again and was told my claim was closed and they stated they opened a new case. I asked for a new claim number and the representative advised they could not give me one and someone would call me back in 10 days, I received no phone, and no correspondence. 

This bank needs to be investigated for unfair, deceptive practices because they are unwilling to assist me in this fraudulent cash advance check that was transferred to someone I do not know or is affiliated with. In addition, I believe the bank is waiting for the the 90 days to be up, so can tell me they can not assist and have no recourse. If they are doing this to me they must be doing the same to many customers. It is up to the bank to protect me, I immediately reported this crime, have not used my account in months. 

The bank is required by law to investigate and remove any fraudulent charges from my account. I requested Citi Bank to stop any sending checks before any of this occurred. 

I have continued to make my auto-payments because I do not want to ruin my credit, but this automatic payment is not an acceptance of this fraudulent check.
Complaint sub-issue: Information belongs to someone else

There are 61 hard inquiries in my equifax credit report. I have reached out to the companies asking for signed applications from myself. 
None of the 61 inquiries companies can provide original signed applications from myself I have disputed these with both inquiries companies and with equifax neither are taking this matter series
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

To Whom It May Concern, On XX/XX/2019 Citi identified a fraudulent charge on my Government  travel card for {$35.00} from XXXX. I subsequently filed a billing dispute but the issue went unresolved. In XXXX, I was contacted by Citi saying that my card was in collections for the same charge. I spoke to the fraud department and was told since the charge was outside of a 60 window there was little Citi could do. I paid the {$35.00} since I want to keep my credit in good standing. I find the actions of Citi to be deplorable making the customer pay for fraudulent charges. In addition, as an XXXX XXXX   XX/XX/XXXX  service member, my PII was compromised during a data breach at the XXXX XXXX XXXX XXXX ( XXXX ) from the XXXX to XX/XX/2019 timeframe. This just so happens to be before the fraud charge. The fact that a billion dollar industry was harassing and is charging a Veteran {$35.00} for a fraudulent charge is beyond disgusting!
Complaint sub-issue: Having problems with customer service

Our daughter took out a new loan for University XXXX XXXX in XXXX - I called Sallie Mae and told them to add payments for that loan to our existing set of payments. They indicated they would do so. Today, at XXXX, I received a robo call from Sallie Mae. They did NOT leave a message. MY daughter then called me and said they had called her, and that the account was past due {$100.00} ( {$50.00} for XXXX and XXXX ). 
I tried to call them and got told wait time was excessive ( last time I called them, I waited on hold for over an hour ). 

I went online and fought thru numerous web site errors ( unable to make my name match my bank account name, several password resets to be able to even log in ) ) managed to make ( I hope ) a payment.
Complaint sub-issue: Report improperly shared by CRC

On XXXX/XXXX/2014 I received a hard inquiry on my Equifax credit file from " XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX ''. I have never done business with or applied for business with that company. I disputed the inquiry with Equifax and they told me that they could not do anything, I would have to dispute it with the creditor. I called the number they provided me with ( XXXX XXXX XXXX ), no answer ; however, I got the voice mail for a man by the name of XXXX XXXX. The number Equifax provided me with is not for XXXX but some random man by the name of XXXX XXXX. This is my formal complaint to get this issue taken care of.
Complaint sub-issue: Information belongs to someone else

I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent a hand written letter via certified mail to Equifax disputing the three charge-off, credit card accounts ; because they are being reported past the time that they need to be reported on my credit. I requested to have them removed immediately, as other credit bureaus have removed these same account from my credit report already. I received a response with a letter dated on XX/XX/2022 refusing to remove two of the accounts. This is not in alignment as my other credit reports no longer have these accounts reported, and its illegal to report and beyond the statute of limitations.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
Complaint sub-issue: Problem accessing account

Ive opened the account online because Im the pandemic time everything was closed and they told me to do online. I received my stimulus check of {$1200.00} since I had no other bank and cant go out so I MOBILE deposited the check ( {$1200.00} ). After few days my unemployment money started coming in the account. In the meantime theyve placed block on my account for FRAUD. They didnt send me email, mail, or any call. I had no idea about it. I started working that time also because my bills and everything. 
One day I deposited {$90.00} in the account and couldnt get access to it called them since THEY DONT KNOW ANYTHING ABOUT THE ACCOUNT OR THE MONEY THEY KEPT FROM ME. 
I had {$1000.00} in the account when I call they keep transferring my call and disconnected. 
After 3 long months I kinda found out that they blocked my account for {$1200.00} check FRAUD which came from government. I have every single piece to prove that wasnt fraud. 

They are not working properly with me and kept my hard working money.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX I called PHEAA/FedLoan Servicing to inquire about how many qualifying payments I have made toward the loan forgiveness program as I have three different repayment end dates. I have four loans that qualify for the program, I started repayment on these loans at the same time since I only receive on bill through FedLoan and it is always paid in full, and sometimes even additional payments are made. On XX/XX/XXXX I spoke with XXXX ID # XXXX who informed me that she would put my loans in for review. When asked how long that would take she told me 6 months. While I thought that seemed excessive, I said ok. It was not until Saturday, XX/XX/XXXX XXXX one year and five months later ) that I received a letter from FedLoan servicing with a " breakdown '' of qualifying payments. This breakdown still did not tell my why I have different repayment periods so on Tuesday, XX/XX/XXXX I called FedLoan again to ask for a reason why the repayment periods were different. I first spoke with a woman I believe by the name XXXX but her ID # is XXXX. She was unable to help me so I was transferred to XXXX ID # XXXX. XXXX began counting the payments made on each loan, and when the numbers did not match what I had I questioned it. XXXX told me " let him finish and this call will end faster. '' I told him no, I am going to follow along with him and question why they do not add up. In one instance, XXXX said that there was " no bill for XX/XX/XXXX and you only paid {$39.00} of the $ 40-something dollars due. '' I pulled up my payments for that loan for XX/XX/XXXX and XXXX. On XX/XX/XXXX I paid {$46.00} and on XX/XX/XXXX I paid {$51.00}. XXXX could not answer as why there was a discrepancy and just kept saying he would put it in for review. I asked him how long that would take since I waited a year and a half for this response. He told me " case reviews take a long time and there is no time frame for when FedLoan will get back to me. '' I have had trouble getting responses from FedLoan on various issues since 2017 and for that reason I document every phone call. It should not take over one year just to get a response to a question.
Complaint sub-issue: Account status incorrect

Incorrect information reported as a new debt on my credit report. This account was charged off & disputed as incorrect original creditor provided a prepaid service & charges should not have been there. Enhanced Recovery Company is reporting this as a new debt as of XXXX of 2019.
Complaint sub-issue: Trouble using the card to spend money in a store or online

i can not use the card to make any purchase. They say i cant use any kind of money transfer service. So even though im using XXXX to send money to a company or putting money on a prepaid phone plan its not allowed
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX Date XXXX Balance : {$0.00} Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/21
Complaint sub-issue: Reporting company used your report improperly

in Accordance with the fair credit reporting act XXXX Account # 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 writtensinstructions.
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  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 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: Was not notified of investigation status or results

On 06/21//2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.
Complaint sub-issue: Information belongs to someone else

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem accessing account

PNC will not allow my XXXX app to connect to my account WITH MY SET UP AND AUTHORIZATION!! This app has helped my family out so much during hard times and Id really appreciate it if this discrepancy subsides expeditiously! Thank you so much for your time.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This account i tried numerous time to settle debt and the company never fulfills their end. Many times they told me to make a payment and my total debt shown will be decreased and nothing so far. Im not sure if this is something that company says to collect money but Im tired of calling and trying to settle with broken promises on their end.
Complaint sub-issue: Debt was result of identity theft

In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly. AR Resources currently reporting 5 accounts to my credit file, these accounts should not be on my credit file. 

AR Resources {$290.00} AR Resources {$660.00} AR Resources {$290.00} AR Resources {$270.00} AR Resources {$410.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information. 

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including license number.

In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.
Complaint sub-issue: Reporting company used your report improperly

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax.

1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Greetings! 

I am filing an official complaint against the illegal business practices of the so-called First Progress pre-paid MasterCard- I am attaching their information for your reference. 
At the end of XX/XX/2021 I relocated permanently to XXXX and have consequently advised the afore-mentioned bank numerous times : 1. That I did not have forwarding address in the US 2. That I did not have any relatives, friends or relatives in the US 3. That I did not have a US bank account 4. That a friend of mine has helped me fund the initial {$2000.00} deposit from his bank account and he has also made subsequent payments. 
5. On XX/XX/2021 I have faxed them a request with very specific instructions as to how to close the aforementioned account and do a wire transfer to a designated account, in view of items ( 1 ) through ( 4 ). I was previously advised by one of their reps that they could do a wire transfer. 

Subsequently, several of their managers advised me that : 1. They could not send me a VISA/MASTERCARD overseas ( only to the US and Puerto Rico ) 2. They could not do a wire transfer, despite being told that other reputable banks that I have dealt with, in the past - XXXX  XXXX XXXX, XXXX, XXXX, to mention just a few, were always able to do a wire transfer to a designated account. 
3. When I asked them - how can I get back my {$800.00} and change, the totally nonsensical, callous and nonchalant answer was - well, come back to the US. 
As if this ongoing nonsense were not enough, if you take a look at their statement, coming from supposedly a closed account, they want me to pay only {$100.00} minimal payment. 

As a result of their well calculated, willful and pre-mediated baloney, I have lost more {$800.00} - which is more what I was making working for a week, not to mention countless hours on the phone with their clueless, brainless customer service agents. 
Consequently, I am seeking your urgent intervention to force this fraudulent and scam driven bank to do the following : 1. Initiate an ACH transfer for {$1500.00} with which to compensate me for their deception and wasted time to a designated bank account of my relative in the US, or 2. Overnight me at their own expense a replacement card to a designated address with the same amount that I can use in XXXX. 

Very respectfully yours, XXXX XXXX
Complaint sub-issue: Trouble getting, activating, or registering a card

Someone had my social Security number and personal information. They are calling XXXX XXXX and changing the address and phone number to Florida and requesting new cards in my name. I have called 15 times this week to keep changing it back. I went to social security office and reported it. XXXX XXXX   acknowledged knowing about the breach in my account and will not stop it. They keep allowing this to happen. I have yet to receive my income. I can not pay bills, I have no phone and I have XXXX young children at home to feed. This is unacceptable!
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I opened a checking account with Citibank ( acct. number XXXX ) based on an offer of a cash payment for a certain level of deposit into a new account. The offer was prominent on their website encouraging the opening of the account ; the offer is still widely displayed on their website today. The required deposit of {$75000.00} was made for a {$1000.00} cash bonus. On XX/XX/XXXX, I contacted Citibank and was told be an associate that the required amount of deposit was made in the required time frame for the offer, that the correct " code '' had been entered into their system, and that the payment should have been made. The associate opened an inquiry, XXXX. On XX/XX/XXXX I received notice that there is not such a promotion at that time, even with the same promotion being offered today! Classic bait and switch. I am targeting that the account be closed at the end of XXXX.