Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021 at XXXX, I was called from the Citi bank representative ( male ) fraudulent department, phone number ( XXXX XXXX XXXX ) about our checking account suspicious activity. The amounts of {$500.00}, {$5000.00}, {$2500.00}. I was told that somebody was trying to use XXXX for these transactions. 
I was not aware of any of these transactions! I agreed that with the help of the Citi bank representative my debit card was canceled. I was instructed to login to my XXXX Citi bank app to use XXXX to reverse XXXX of these transactions that already was in transit for the amount of {$2500.00}. I followed the steps and I was told that within XXXX - XXXX hours the amount of {$2500.00} will be safely back in our checking account. The amount of {$2500.00} never came back. 
When the money did not appeared back into our checking account, we immediately stared to dispute this fraudulent act with the Citi Bank, we called many times, we send a certified letter. 
We received responds from the Citi Bank denying our claim. Citi Bank never ask to provide any of the information. 
I'm kindly asking this agency CFPB to help us to resolve this fraud and help us to get the amount of {$2500.00} back to our checking account. 
Respectfully, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I noticed fraudulent activities on my credit report that I did not consent nor authorize! I am highly upset to know that I I've been scammed!
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX  & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below.

This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX  via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020
Complaint sub-issue: Banking errors

Hello, I am reaching out regarding a bonus offer on a savings account that Citi has not timely paid. 

The terms are as follows, taken from the attached offer : Earn {$400.00} Bonus Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXXto XX/XX/XXXX. 

Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

As the attached transaction history establishes, I have met the terms of the bonus : I opened the account on XX/XX/XXXX. 
{$15000.00} was deposited to the account on XX/XX/XXXX and has remained in the account since. 
The bonus requirement were met on XX/XX/XXXX. 
Per Citis own terms, the bonus was due no later than XX/XX/XXXX ( 90 days after the bonus requirements were met ). 

I confirmed the bonus terms with a representative on XX/XX/XXXX. The representative also confirmed that the bonus had not yet posted. ( See attached chat transcript. ) Thank you very much for your time reviewing this case.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$810.00} } to and ( {$1100.00} ) on my credit report. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be  removed from all three credit files.
Complaint sub-issue: Their investigation did not fix an error on your report

so Ive been struggling to correct inaccurate reporting on my credit report from XXXX XXXX XXXX. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.
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 719XXXX 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 us 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 im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. DPT ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Problem with fees

Best Buy credit card, was XXXX when opened, now Citi bank. 

I just found out that I have been charged a " debt protection '' or " credit life insurance '' fee on my Best Buy credit card every month since I have had the card. I was told that I opted for this " service '' when I opened the account in XXXX, XXXX. I disagree as I would not willingly pay a fee for credit life insurance. My wife and I have enough savings to pay for something like this and we both also have life insurance policies. 

I have attached my statement from XXXX XXXX because that's as far back as I can access through my account. Also attached is the most recent statement form XXXX XXXX. The fee was charged every month since the account has been open.
Complaint sub-issue: Account information incorrect

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX account was close in XXXX XXXX received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.
Complaint sub-issue: Information belongs to someone else

I checked my credit report to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. Please investigate and remove these accounts from my credit report. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in onXX/XX/2020and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Complaint sub-issue: Fees charged for closing account

I download the TrueBill app, and deactivated my account after 2 days. Since then they have taken money out of my personal checking account numerous times adding up to over {$500.00} in charges. I shouldn't have been charged anything, and if anything it should have been a one time small fee ( Under {$7.00} ). There isn't a customer service line. I've tried live chat, with no reply. I've tried social media and activating live chat on social media with no response. I've tried emailing, no response. I'm not sure what else there is left to do.
Complaint sub-issue: Account status incorrect

I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I provided my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand any and all of the following accounts be removed from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several certified letters to XXXX  Credit Reporting company asking for their verification process of Bankruptcies. I provided XXXX  with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my Lexis/Nexis account. I have received a letter from Lexus/Nexus informing me that they removed my information as well. XXXX  refuses to delete this unverifiable information. My next step will be to take legal action. 

Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX
Complaint sub-issue: Problem making or receiving payments

I am trying to get my transactions sent to active hours and my bank will not send the transactions that I need forwarded
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XXXX
Complaint sub-issue: Account information incorrect

Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, XXXX and Equifax reporting Acct Number XXXX Basis for the dispute : Equifax Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/XXXX Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
Complaint sub-issue: Reporting company used your report improperly

These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX, 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
Complaint sub-issue: Their investigation did not fix an error on your report

I sent out dispute letters off to XXXX and equifax XX/XX/2022 the credit bureaus said the completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code $ 1681a - Definitions : rules of constructior The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, persona characteristics, or mode or living is Obtained through personal interviews with neighbors, friends, Or associates or the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific intormation on a consumer 'S credit record obtained directly from a creditor or the consumer or trom a consumer reporting agency when such intormation was obtained directly from a creditor of the consumer or from the consumer would like to know who did they talk to How did they complete this investigation.
Complaint sub-issue: Investigation took too long

I have disputed an item 5 times and have not received an answer from the collection agency, The issue was fraud and I have submitted all necessary paperwork Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Account- XXXX Amount : {$770.00} To whom it may concern : I have disputed the following debt on the following dates : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 I have attached copies of my previous correspondences which include the following : Fraud Affidavit Copy of Credit Report Police Report This account was set up fraudulently, and is not mine. I have not received a single reply from XXXX which is in violation of the fair credit reporting act.
Complaint sub-issue: Account information incorrect

Disputing late payments reported for XXXX XXXX account on 3 credit reports. All 3 credit reports should reflect On Time payments from XX/XX/XXXX until XXXX. 

XXXX XXXX reported late payments on XXXX XXXX XXXX XXXX account on all 3 credit reports as a retaliation measure because I filed a CFPB complaint against the firm prior to car payoff. 
See attached CFPB Complaint Response from XXXX XXXX. 
Attached Cashier Check for car payoff was cashed by XXXX XXXX. As written on Cashier Check for car payoff XXXX XXXX  was ONLY to cash the check if ALL payment history from XX/XX/XXXX until XXXX reflected on time payments. 
XXXX XXXX  cashed this check therefore ALL payment history from XX/XX/XXXX until XXXX should show ON TIME payments ( not late payments ). 
Payment history should show on time payments or an X for unknown payment history. 
Account was on auto pay from XX/XX/XXXX until XXXX. 
Account was protected by applicable XXXX Covid laws in XXXX and XXXX. 
XXXX XXXX was contacted in writing and via telephone to correct the payment history to show ON TIME PAYMENTS but the firm refuses to make this correction.
Complaint sub-issue: Debt is not yours

I've tried many time to get them to validate this debt and never got a response and continues to report. I even sent a certified settlement letter last XXXX and still did not get a response, however they removed the account from XXXX  & XXXX  but NOT XXXX. They continue to report to transunion every month and need to have this taken care ASAP. 

Attached is a copy of the Certified Postage that it was received and a copy of the settlement letter.
Complaint sub-issue: Other problem getting your report or credit score

I have worked at the XXXX  XXXX XXXX for almost two years with more than 20 years of customer service experience. I can not believe that Equifax, giving the nature of its entity, has a huge amount of inconsistencies of information ( based on the slim you are able to even get any ) and you are in a forever loop of frustration as no one can help and no one can confirm anything even if you have numerous confirmation numbers, names/dates/pin numbers relevant to such, but one thing that is assured, every employee has the same robotic comment to my problem " they are so sorry, and would love to help me ... but. '' I'm a newly XXXX, single mother of XXXX and I'm about to loose the purchase of my first home for myself and my children due to Equifax and their sheer disregard for my dire need to address the issue as to why my score/credits, only for Equifax mind you, will not reflect on my report for my lender to access, only my debts are visible, yet after 3 weeks of battling who will help me, I finally was able to confirm a freeze had been lifted ( confirmation number in hand, and yes it still took 3 weeks before someone would verbally confirm it was actually removed ) but yet my score is still not visible, that being said I'm assuming only XXXX Equifax will only ever know as to why ( being a lender gets you no where either unless your paying for their services ) my information is not reporting. Now I have the painstaking task of telling my kids were not getting the house, as of yesterday its back on the market ( signed my first ammendment ) all because my information won't show up and no one will tell anyone why. Now I'm pretty sure even a fifteen year old can use common sense to question as to how ignorant that sounds. And yes, this will be the second house that has fallen through for us in the last year, first was negligence on my previous lenders intelligence. Thank you Equifax. Bravo. Happy New Year to you and yours.
Complaint sub-issue: Their investigation did not fix an error on your report

There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



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