Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

I am a victim of identity theft and someone applied and opened a fraudulent Citibank credit card account in my name. The account is fraudulent and is not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, garnishment of wages, jail, prison, XXXX XXXX XXXX from Citibank Debt Collection Representatives which is very frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Complaint sub-issue: Company closed your account

I recently was sent an email stating my bank account would be closed within 60 days. They did not give any specifics other than violated the terms of your account per the client manual I have not done anything to violate these terms and dont know what would make them close my account. But searching the web it seems like a common practice On the email it says I will receive my balance on my account only after the 60 days when my account is closed, but also mention in the email : If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. So I called there fraud department ( XXXX ( XXXX ) XXXX ) and talked to a rep asking her to please expedite a check for my balance as I am in a dire emergency. I need the funds for medical reasons and by not receiving it soon it would put me in a real dangerous situation medically. She said she couldnt do anything and I asked to speak to a supervisor who also said I was out of luck! This is unfair that I cant access MY money that I need for an emergency from a decision CitiBank made! I can not wait 60 days for my funds this was my entire savings. I have no other options in this dire situation.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/20 I called direct express to change my address. Instead of changing the address they put a fraud alert on my card. Its the only income I have and now I cant access my money anymore. Since then Ive tried to call 10 times but no one will answer the phone. The longest I waited on hold was for two hours and still nothing.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$530.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of/items that do not belong to me or were opened without my permission. 

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 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: Called before 8am or after 9pm

While I was in near XXXX, Minnesota on Tuesday XX/XX/2019, I was awoken by a call from American Education Services at XXXX XXXX local time.I contacted the company via the same number they called from, XXXX and asked to speak to them regarding the matter. I was informed they had no record of a call at this time but had one from later in the morning, closer to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Complaint sub-issue: Account status incorrect

XXXX  IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$460.00} XXXX XXXX {$470.00}
Complaint sub-issue: Trouble getting, activating, or registering a card

Hello I have been calling customer service to have a card sent out to me and they have been given me the run around .its literally been months since I have not got a card in the mail then they told me I have to send in some information so they can verify my identity and I have cooperated and sent in every thing that was asked of me and of course nothing what could I do about this issue
Complaint sub-issue: Account status incorrect

Discover Loans +   XXXX   student loans ( multiple over {$20000.00} paid in full ). ALL PAID in FULL but Credit reporting agencies still show open on all after 41+ days. Discover an d  XXXX  were no help after many direct phone calls during the last few days and last week.   We have account numbers and all needed INFO to Identify. These companies were impossible to work with to clear this matter.   Please Help. Both Parents have co-signed to help children.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After reviewing my equifax account I realized there were unauthorized hard inquiries on my account. I sent a certified mail to Equifax with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The certificate mail indicates the mail was delivered on the XX/XX/2022. A follow up call to Equifax on countless occasions to get an update and they repeated lie that they did not receive the letter. 

The accounts involved are as follows ; XXXX XXXX XXXXXXXX XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX  XXXX : {$5100.00} XXXX  XXXX : {$6200.00} XXXX  XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Frequent or repeated calls

On XXXX XXXX, 2016 at approximately XXXX, I called to inquire about an issue I discovered on my credit report. After unsuccessfully talking with the debt collector, they asked if they could call me on at my phone number, XXXX. I said, " You may not. '' The following day, I sent them a letter. 
This morning, XXXX XXXX, 2016 at XXXX, the collector called me. They did not announce who they were. I told them, " Do not call again. ''
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Re : Dispute of charges and exorbitant fees from a Closed Account XX/XX/XXXX In XXXX, I had gotten some outrageous late fees and interest charges which I suspected were unscrupulous. I sent a letter to Citibank and the MN Attorney General regarding this and asked that these charges be reversed. The Attorney Generals office was supportive and concerned, but Citibank never responded. I simply stopped using the card. I have excellent credit and always pay on time. There are other companies that had much more reasonable fees and interest. 

Then in XXXX, I got an unexpected autocharge from XXXX. I paid the bill & closed the Citibank account. I changed the autopay from XXXX to my new business credit card with XXXX. I thought the maltreatment from Citibank was finally over. 

But in XXXX, I got a surprise bill iof {$110.00} from Citibank in XXXX, a surprise because I had closed the account with Citibank. XXXX had accidently charged one autopay to Citibank and one to XXXX. I called Citibank to refute the charge through them since I closed the account. They reversed the charge from XXXX and we called XXXX to make sure they were only charging XXXX ( the other credit card ) and to eliminate any information about Citibank. The account was closed and I received a letter from Citibank that the account was closed. I thought the hassle was finally over. 

Two months later, XX/XX/XXXX, I received a bill from Citibank with past due charges and interest more expensive than the original bill ( {$340.00} ) that I should have never received from a closed account. I contacted XXXX and they said that Citibank sent them money but that XXXX would reverse the charge since they were charging the correct credit card, XXXX. They attempted to reverse the charges, but Citibank said the account was closed and would not accept the money back. XXXX offered to send me the money back since it would be double charged. We called Citibank and told them we would forward the money from XXXX and that I want that account closed and to reverse the charges and fees since the account should have been closed, but they insisted that I pay exorbitant fees from an account that should have been closed in XXXX. A credit from XXXX still awaits Citibanks instructions on how to send the money to them. 

I always pay my bills in full and on time. But since I had every reason to expect that this account was closed and that no one should be billing to it anyway, and since I have been disputing this bill for half a year, it is ridiculous to be charging me late fees and interest on something that should never have been on this account. Citibank has been using unscrupulous practices and charging exorbitant fees, especially for someone who always pays on time and has excellent credit. I want Citibank to take the money back from XXXX and close the account permanently as I had requested in XXXX. I also demand that Citibank refund me the {$100.00} in interest that they charged me erroneously in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

after numerous disputes XXXX refuses to report this XXXX XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.
Complaint sub-issue: Their investigation did not fix an error on your report

Around XXXX of XXXX I had a XXXX XXXX  account that I was unable to pay and it went to collections. In XXXX of XXXX Jefferson Capital Systems listed the debt as new and my credit score went down drastically. I have disputed it twice with XXXX  and it has not been corrected. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold.Please adjust this on my credit report. Also, I paid off a loan with XXXX XXXX XXXX XXXX  in XXXX of XXXX and they reported the payment 30 days late. I made a satisfactory payment in XXXX of XXXX and paid the remainder of the loan in XX/XX/XXXX. I was not late in my payment. Please also have that removed. I have tried calling XXXX XXXX XXXX and they refuse to change the reporting information.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information, which puts me and countless other people at risk. According to their equifaxsecurity2017.com website I am a potential victim of the companies negligence in securing my data and reporting the breach in XX/XX/XXXX to consumers, and would like a resolution. The current " FREE '' option they are providing to protect the customers ties to it the release of my rights to hold the company liable for any damage their negligence cause to my identity or credit.
Complaint sub-issue: Reporting company used your report improperly

1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2.XXXX XXXX XXXX XXXXXXXX {$570.00} 3, XXXX XXXX XXXX XXXXXXXX {$560.00} 4, XXXX XXXX XXXXXXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX XXXXXXXX 8.XXXX XXXXXXXX ( XXXX ) 9.XXXX n accordance with the Fair Credit Reporting act XXXX  Accounts 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
Complaint sub-issue: Reporting company used your report improperly

The company mentioned below ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX XXXX
Complaint sub-issue: Account sold or transferred to another company

On XXXX XXXX, 2017, XXXX should down my AmexCard within minutes stating someone made a purchase at XXXX. I have not been able to get access to my account online or through the telephone. They have illegally charged me late fees and interested. I contacted Mr. XXXX XXXX and over ten ( 10 ) through faxes and he has never responded. To this date, I am unable to gain access to my account. They have intentionally ruined my credit. I did nothing wrong. I have a XXXX balance except for their illegal fees and late charges. They have ruined my credit reporting me late which is untrue as I am unable to even gain access to my account. They closed my account. I have never received any statements for the last three ( 3 ) months. Again, they have violated my rights. I can not even view my account online. I do not have any valid credit cards from them that are operative. Please investigate and fine them for their illegal behavior.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY TI FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.
Complaint sub-issue: Public record information inaccurate

I was reviewing my credit information with all  XXXX  services and noted that   XXXX  , Equifax and   XXXX    are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county  (  XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation w ebsite and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX    I called  XXXX , Equifax and  XXXX  to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  Kings county  recorder of deeds.  XXXX ,  XXXX  and Equifax contended the information was accurate. I additionally, informed   XXXX   that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.
Complaint sub-issue: Threatened or suggested your credit would be damaged

AR RESOURCES INC has not validated any contract that I have consented or agreed to with their company. AR RESOURCES INC. has continued to damaged my credit and I am demanding to remove ( DELETE ) the collections from all three credit bureaus and cease all communications. 
AR RESOURCES INC unlawful attempt to prejudice my security interest and liberties by an action against the XXXX XXXX XXXX is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc.
Complaint sub-issue: Investigation took more than 30 days

On or about XX/XX/2021 I mailed a demand letter to Equifax, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX, XXXX XXXX, XXXX XXXX I notified Equifax in the letter that pursuant to the FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. As of XX/XX/2021, I have not received any response regarding my demand letter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We made many transactions during month of XXXX, so there were a lot of returns and purchases, so once we received the bill, we called the Citibank card to speak with the agent and asked what is the amount to pay for the full amount the balance till the due date XXXX/XXXX/XXXX, the agent said {$2700.00}, so we paid exactly the amount, when the month of the XXXX bill came, we found out there were {$23.00} interest charge, We called Citibank right away, spoke to the agent, interest amount {$23.00} was waived, then we asked the amount to pay the full bill again, was told {$2200.00}, again We paid the amount of {$2200.00} so we thought there are no any balance till XXXX bill comes, then again XXXX bill came there were only {$570.00} purchase we made the amount of the bill is {$1400.00} include {$40.00} interest charge, XXXX Citibank right away till now still cant get the problem solved, the agent claimed {$1400.00} is correct but could not explain where the extra amount came from, and refuse to play back recordings of calls we had with previous agents. 
Also there is a {$200.00} dispute charge we had, with not any notice to us. Citibank sent us a letter stated the charge amount is valid transaction because " seller said the item has not been returned '', but in fact vendor provided unshippible return address as " XXXX '', we had been trying for 2 month to work with XXXX and XXXX to return the item without success.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize these 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
Complaint sub-issue: Didn't receive services that were advertised

I have been a victim of Identity Theft due to stolen sensitive information from my credit report at Equifax. As per the Court Settlement, I was offered either {$250.00} or 6 years of free credit monitoring services. I contacted Equifax in XX/XX/XXXX about the promised credit monitoring. The lady assured me that they had my choice on file and that starting in XX/XX/XXXX, I would get the promised credit monitoring for 6 years. When I called Equifax numbers in XX/XX/XXXX onwards, I was getting a run-around with automatic answering system and I never got connected to a real person. Now, I am in XX/XX/XXXXand Equifax did not provide me with credit monitoring. 
Please contact Equifax on my behalf and persuade it to honor its commitment. 
Thank you for your help.
Complaint sub-issue: Account status incorrect

Hello i reached out to XXXX & Equifax on 3 occasions via letter correspondence to correct or delete the below account due to " Account Status '' Reporting inaccurate. on the following 2 accounts. 

XXXX XXXX XXXX XXXX Account Status reporting wrong and inaccurate. these 2 accounts where paid in full back in 2020 if you look at the attached current credit reports of mine you will see there many errors that are effecting my life. you can always fix your eyes on the comments that the actual Equifax and XXXX noted that the accounts WHERE PAID IN FULL. i just want the statuses updated to Paid and not Derogatory. as you can also see XXXX reported the account correct. on the XXXX XXXX account. i have wrote to both companies on 3 occasions and never got a response back. i had no choice but to submit a full complaint here with proof. i also want to point out on the XXXX XXXX account the payment history has been reporting inaccurat as well since XXXX of 2020 you can see on the report experian reported me ( CO ) but Equifax reported that i paid ( OK ) meaning on time. how is that so? how can i be late CO and OK at the same time. these inaccurate reporting 's are in violation and need to be removed from my credit reports. thank you in advance for your help.
Complaint sub-issue: Attempted to collect wrong amount

I have sent numerous letters to Hunter Warfield asking them to validate the debt. While I was still awaiting them to validate the debt, I received numerous calls from their office to my cell phone. Mind you, I have never had any business with them and have never given them my cell phone number or work number, let alone given them permission to call either of the XXXX. The problem I am having is misrepresentation on my credit report. For the last XXXX6 months, they have changed the original amount on my credit reports. How does the original amount change? This is inaccurate reporting and therefore they must remove this from my credit report. After disputing this several times with the credit bureaus, they continue to verify this information with XXXX but not with me.