Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. 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. ) XXXX XXXX XXXX XXXX  Date Opened : XX/XX/ Balance : {$1000.00}. 

If you feel there is a possibility these accounts belong to me I will 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.
Complaint sub-issue: Debt was result of identity theft

I am a victim of Identity Theft. I had an account with US Bank XXXX that I closed. There were unauthorized charges totaling about {$14000.00} made to that account. I have contacted US Bank several times to have the Fraud Department research and have yet to have them resolve my account. This account is extremely damaging my credit scores and preventing me from getting the credit I deserve.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a debt collection letter form Americollect for a medical bill that I owed. I sent an email asking for verification of the date, by which a letter was sent to me regarding the debt. The reason I disputed the debt was because I never received anything from the original creditor stating the debt was owed. Upon receiving the verification of the debt what I noticed was that the XXXX XXXX XXXX XXXX received payment from my insurance on XX/XX/21 and instead of sending me the bill they wrote it off on XX/XX/21 and sent it to collections without having the opportunity to pay the bill. Any previous bills I had received I paid upon me receiving them. Furthermore they sent me text messages about previous bills were due, but for this one they did not send anything. Even if they had sent the text on XX/XX/21, the same day that my insurance paid their portion, it wouldnt't have mattered because 3 days later they sent it to collections. 

XX/XX/21 XXXX XXXX {$150.00} XX/XX/21 Provider received payment {$100.00} XX/XX/21 Written Off/sent to collections {$19.00} The issue is not the amount due as I was also able to confirm the amount via my EOB from my insurance plan. The issue is an account being sent to collections and a debt collection letter being received regarding a debt that was never invoiced to me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I received a notice that my Sears Mastercard would expire XX/XX/XXXX so I stopped using it before that date. On XX/XX/XXXX I received a test message asking if a charge on the card ( now expired ) was mine. I checked no.. A strange number called me claiming to be the fraud dept. I did not speak with them. I got my card out of my wallet and called the number on the back. They said they would remove the charges. Later I checked and there were more on my account. I tried online to mark them as fraud but their system wasn't working and said to call so I did. When I checked again the charges were still there so I emailed them on their secure email in my online account. I then got a letter in the mail saying the charges were all mine. THEY WERE NOT! I corresponded again thru the secure online. And AGAIN EACH MONTH AT LEAST ONCE A MONTH SINCE THEN. Now the letter says I have to detail what are not my charges but all of the history has been removed from my account. I can not see what is left and what was removed. I have requested this info thru the secure email with no response. They say they will send me new cards. I STILL HAVE NOT RECEIVED THEM! And the funny thing is, the LAST TIME my card expired this VERY SAME series of events happened. I want a detailed listing of XXXX and XX/XX/XXXX invoices and I want a list of items removed. I want interest and items still in dispute removed ... ..wish I could SEE what they are online. And I want my new cards. ( And with a different number - Last time, they sent the SAME number with a new expiration on a compromised acccount. They tried to say the cards were stolen. They were not either time. I have them ALL. Do they do this scam to everyone? This is the second time for me. Sears Mastercard XXXX XXXX XXXX XXXX XXXX XXXX REFER TO PREVIOUS UNRESOLVED COMPLAINT XXXX. I have started contacting this company on XX/XX/XXXX when I contacted the fraud department about charges made after the card expired XX/XX/XXXX!!!! I contact them monthly and finally got a response today off YOUR website in the form of attachments. All the company did was send you this. Nothing was done about the fraudulent charges nor interest. I am getting ready to make my final payment and the amount is WRONG! They did this same thing to me in XXXX- see my compliant from then too which was finally fixed. Same deal - expired credit card and fighting for months.
Complaint sub-issue: Didn't receive enough information to verify debt

I found out that there was debt {$470.00} on my credit report so I contacted the company AmeriFinancial Solutions LLC list on XX/XX/XXXX. I verified my personal info and was told the debt from XX/XX/XXXX was for a hospital. I explained that I was unware of this bill and to sent me proof. I was told that a letter would be sent to me and I could send it to my insurance. A month later I XXXX XXXX, XXXX I reached back out because I had not received any documentation from them about the debt. I was told by the company that they would not be sending any documentation until I made a good faith payment. I stated that I didn't believe the debt was mine and needed proof. I contacted the credit bureaus to debt this debt, however they keep claiming the debt is mine would out sending proof besides only verifying my D.O.B. and SSN I have not received any written communication from AmeriFinancial Solutions LLC at  all. I believe this to be fraud. This is a deceive practice to not verify and show proof but request payment. As a result my credit has been impacted. I have tried contacting the Hospital in XX/XX/XXXX directly however I am being told that the record is not longer accessible and that I must contact the collection agency.
Complaint sub-issue: Can't close your account

My bank BBVA was recently bought out by PNC bank. I could not gain access to my money in the PNC system as I don't live near a branch and was not sent a debit card or account information in the mail. 

-I called PNC bank to cancel the account and was told that I had to remove my money from my account first. 

-They sent me my money in cashiers checks. 

- I then called PNC bank, spoke to a human who told me the account would be closed. 

- I was then notified that my accound had not ben closed and had been overdrawn. 

- I called them back, payed the ammount I owed and told them a second time to close my account. It has still not been closed. 

I Just called them again and the same problem persists. They transfer you from agent to agent, I've spent hours on the phone and cant close my account. Its criminal.
Complaint sub-issue: Account information incorrect

I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( XXXX, XXXX, and Equifax ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( XXXX ) that shows that they are in fact NOT correct. I have received reponse letters from XXXX Equifax and XXXX all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/XXXX, I received a flyer from Citibank. The flyer says that I am invited to become a Citibank banking client and earn XXXX XXXX   Aadvantage bonus miles. 
On XX/XX/XXXX I called Citibank to open the Citigold account to earn XXXX Aadvantage bonus miles after making ATM Debit card purchases of {$1000.00} and making 1 or more Bill payments for 2 consecutive calendar months. 
The Citibank representative says that they successfully applied to my account, and the offer code is XXXX. 
( See attachment : XXXX Citibank flyer ). 

On XX/XX/XXXX I contacted Citibank via Chat to ask them whether I have met the requirements of the bonus offer. The Citibank representative confirmed that I had met the requirements for the XXXX miles offer and that the AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within 90 calendar days from the date when the client completed all offer requirements.

( See attachment : XXXX Citi confirms XXXX AA.pdf ). 

On XX/XX/XXXX I received a letter from Citibank saying that the requirements for Promotion XXXX were not met because this promotion was not available to existing Citibank customers. Their records indicate I have a existing checking account number ending in # XXXX, which was opened on XXXX XXXX. This account was closed in XX/XX/XXXX. 
( See attachment : XXXX Citi letter denying requirements met.pdf ). 

On XX/XX/XXXX I contacted Citibank via Chat to dispute the letter on XX/XX/XXXX denying that I had met the promotion requirements. They confirmed my checking account ending XXXX was closed in XX/XX/XXXX. However, they said that I was not eligible for the requirement because I was not a " New-to-Citibank Client. " New-to-Citibank Client must not be have owned a Citibank checking account within the last 180 calendar days from the date of enrollment in the targeted offer. 
( See attachment : XXXX Citi chat denying requirements met.pdf ). 

I am a raising a complaint because : 1 ) When I called Citibank in XX/XX/XXXX to open the account, they did not tell me that I was not eligible for the promotion. They went ahead and opened the account for me and told me the Offer code was successfully applied to my account. 
2 ) When I contacted Citibank on XXXX XX/XX/XXXX, Citibank confirmed that I had met the requirements of the XXXX miles offer and the Aadvantage miles would be credited to my account within 90 calendar days. Nothing was mentioned about me not being eligible.

3 ) I received an 8 page flyer from Citibank inviting me to apply for the promotion. Of the 8 pages there was only 1 sentence in the fine print that mentions the " New-to-Citibank Client definition. Also, this definition is not in line with the normal understanding of these words. Most people would think that if someone did not have an existing Citibank bank account then they would be a new banking client.

4 ) It is misleading for Citibank to send me a flyer with a targeted offer for this promotion, when they are now saying that I was disqualified from the very beginning.
Complaint sub-issue: Problem with fees

I purchased three items XXXX  {$2.00}, XXXX at Best Buys in XXXX  NY XXXX in the store on XXXX. The delivery and installation to be made on XX/XX/XXXX and XXXX. 

Note I opened a Best Buy house credit line with the understanding I would be billed after delivery and installation. 

On Friday XX/XX/XXXX Best Buy the credit statement bill in the mail with a due date of XX/XX/XXXX I contacted Best Buys Credit customer service and complained that I should be forced into making a payment for goods not yet delivered or installed only to be told that if I did not make a payment I would be assessed a late charge and interest. 

On Thursday XX/XX/XXXX I was informed that my delivery and installation was delayed and I would not get delivery until until XXXX XXXX Due I have recourse. This appears to be illegal?
Complaint sub-issue: Account status incorrect

There is verbiage on my credit file that is inaccurate, NOT TRUE and has caused me to get turned down. I am requesting help URGENTLY. This is FALSE information and the credit bureaus will not remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : 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
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

My family has been severely impacted by Covid. My husband lost his job last year and it took several months to find a new job. This job does not pay as much as his previous one, and this has cause us to fall severely behind on our financial obligations. Every single credit card company has come up with a plan to help us except Citi. I have two accounts with them and they only allowed one card to have a payment program. My payment is rising every single month and I am not even using my card. I was forced to use it once yesterday to pay for auto repairs otherwise I would not have a vehicle to take my kids to school. I can't believe they will not allow me to go into a hardship program when I so desperately need it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX BANK XXXX PA 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Complaint sub-issue: Account information incorrect

I wrote the following letter to Citibank at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Citibank Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from Citibank that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from Citibank. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.
Complaint sub-issue: Company closed your account

To whom it may concern, We are writing you as we are encountering a problem with Branch Banking and & Trust Bank. This bank closed our account on XX/XX/2018 and did not notify us with sufficient amount of the days so we could take action. Instead the bank closed our business account and up to today we have not received any notification or the funds. 

We find incredible that in the United States financial system, the government does not control the banks business practices. It is easier and correct that the bank notify us with sufficient amount of days specially when we have an overseas company that they have decided to close business with us, so we can removed the funds and allow them to close the account. Instead, BB & T takes advantage of clients by freezing the funds and OBVIUSLY using them while they send a check or play with the funds! THIS IS NOT ACEPTABLE!!! It looks like they think we are idiots and we do not understand what is going on!! This is an abuse as they should have a limited amount to return the funds as they do not have a court order to retain my company funds. 

We extent our request to government officials to PLEASE fine or regulate this unfair business practices! As this bank is abusing of clients. 

Businnes account # XXXX Name : XXXX XXXX Personal Banker : XXXX XXXX telf : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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
Complaint sub-issue: Confusing or misleading advertising about the credit card

18 months ago I submitted a {$500.00} deposit to Citi Bank for a secured credit card. I was informed that after 18 months my account would be reviewed for an unsecured account and my {$500.00} would be returned to me making my account unsecured.So the 18 months was up on XX/XX/21 of this year, I con Citi Bank to get the status and was informed that they would keep my {$500.00} another 12 months as a secured account, and I maintained my account for 18 months they claim the account was late once but it had to be me paying the account after a certain hour of the day and it got credited the fo day but never ever days late.They never explained to me that this could happened I was told 18 months. My credit is good so it couldnt have been based on that.I feel like they are discriminating against me for making this decision and feel like they will retaliate against my credit fir filing this complaint against them.
Complaint sub-issue: Debt was paid

AllianceOne Receivables Inc mailed a letter ( without a date or letterhead ) claiming that I owed over {$1800.00} in XXXX tolls from 2009. The company then added almost {$9000.00} to their company 's collection fees on to the bill. 
The letter sent had no official letter head or representative name or ID #. There were also several account numbers handwritten in a blue pin on the paperwork. That debt has been paid and settled. 

Outside of the debt not being mine, it is outside of the Statute of limitations for XXXX & XXXX ( 6 years ).
Complaint sub-issue: Public record information inaccurate

I recently changed to XXXX XXXX. Equifax shows two hard inquiries on the same day to XXXX. Obviously there was only one, but they can't seem to figure that out, I have complained but they have a bizarre security system and won't let me see the result. I have seen no change in my hard inquiry count.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.