Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

Note : This request pertains to  Citibank  Credit Card Services, the provider and agent of my monthly recurring charge for the company listed in this complai nt (   XXXX  ) and which appears on my monthly billing statement. I am asking a response from Citibank, not the  XXXX  in particular to avoid any confusion through this form submission.     Complaint There are two separate issues related to this Citibank credit card account for the same vendor, the  XXXX .  One  is related to chargebacks, the other concerns recurring monthly subscription payments for the  XXXX  that were cancelled by  Citibank without consent resulting in untimely collection calls from the vendor. The cancellation of the monthly recurring payment on my Citibank  credit card was not made by me since there was no interest in cancelling the  XXXX  membership. I have attached a letter to this inquiry due to space limitations on this form. Please see attached letter. The file : CFPB - Citibank
Complaint sub-issue: Account information incorrect

In attempting to secure a mortgage, I have been closely monitoring my credit report. On XX/XX/XXXX Citi reported a balance on a card that I have on them. Since XX/XX/XXXX, I have made a multiple payments in the amount of {$1600.00}, {$250.00}, {$1300.00}, {$1500.00}, {$1400.00} and {$95.00} to payoff the balance on the credit card as well as maintain the zero balance. As of today, XX/XX/XXXX, Citi has not reported to any credit bureau since then, while telling me it is there policy to report every 30 days. The first agent that I spoke to stated that my information was reported " accordingly '' since the inception of the account. When asked what " accordingly '' meant, he stated multiple times that it was every 30 days. Upon counting 30 days fromXX/XX/XXXX with the agent, we concluded that an update should have been sent on XX/XX/XXXX. At this time XX/XX/XXXX, I have paid for a credit report daily from the three agencies to see if Citi has provided the updated score so my lender is able to pull my final credit to close on my house. To this date, Citi has not provided the updated score and customer service was not able to provide any resolution that was timely. The first option provided to me was that I mail a letter to the credit risk department but was not provided with what the credit risk department could do or how they could help. When asked what I should include in this letter, I was told to " just explain my problem. '' This felt like, send your issue off into oblivion so I can hang up and move to an easier call. Secondly, the supervisor told me that she could open a dispute directly with the agencies but I have already done that and this would take 7-10 days to see if the agencies have anything to say. ( This does not make sense as the agency is not responsible for Citi reporting my score and the agenices have already told me Citi has not sent an update since XX/XX/XXXX ). Finally, she said she could have the credit team push my updated information but it would take 30 days for that to appear. If this were the case, it would take Citi 68 days to update to the agencies, after promising they update accordingly, every 30 days. The irony here is that it doesn't take 30 days to show a new line of credit when opened with Citi but yet it takes 30 days to report a zero balance and a several thousand dollar increase in a credit limit.
Complaint sub-issue: Can't close your account

I tried to close my account over the phone, this was back in XX/XX/XXXX, when i spoke with the representitive on the phone they told me i had to zero my account. When i zero 'd my account they assured me that the account was closed. Well two weeks after my account was suppose to be closed. They still tried to process checks and transfer money from the account with a zero balance. With that, it drew a on a zero balance causing my account to overdraft. They were suppose close the account, and send me information but never did. This isnt the only issue ive had with these guys, back in XX/XX/XXXX of the same year, i was traveling. They put the account on a temp hold due fraud protection. Well they fixed it, then the very next charge they blocked it again. I called to fix it but this time i found out the " Accidently '' canceled the card instead of fixing it to where i could use it again. they left me stranded in another state where i didnt live with no access to my money.
Complaint sub-issue: Investigation took more than 30 days

there was letter dated Month of XX/XX/XXXX to XXXX XXXX requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from XXXX with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the XXXX XXXX asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent XXXX XXXX  on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that XXXX XXXX have took to ad the negative information on my credit according to fora law how ever XXXX was not success full to remove the information the respond was over 30 days from XXXX the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the XXXX XXXX failed to resolve this issue again the XXXX giving the sad excuses to not remove this account
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Debt is not yours

In XX/XX/2017, I had cancelled the service with XXXX and tried to port three numbers to the new cell phone company. Two of the three numbers were able to port, but my major cell phone number XXXX was unable port. I believed the XXXX played the dirty game. 

Finally I had to get a new cell phone number instead. 

After three months, the XXXX send me the bill for {$75.00}. I denied and disputed for that bill.

One of the phone number, my wife opened for her XXXX. But never been used for so long, because of her XXXX  was no longer in working condition. 

I called the XXXX asking for the proof of data using. No one ever response, but the XXXX send it to the collection agency. 

This is the latest collection company : IC System XXXX Reference #  XXXX Account # XXXX Balance due : {$100.00}
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. US DEPT ED # XXXX, has violated my rights. And it was reported Twice 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice XX/XX/2014 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: Debt was paid

I have an emergency room bill I had requested be waived by a charity care state program, application was accepted and I received confirmation from charity care the debt was covered/paid IN FULL. This debt was still sent to collections I have disputed with XXXX back in XX/XX/XXXX then again with XXXX and XXXX, both, on XX/XX/XXXX and its said the results as of my reply from both bureaus, XXXX on XXXX and XXXX completed XX/XX/XXXX, are the debt was found valid, though I clearly have documentation proving the full balance was paid/covered, which includes matching account numbers and starting balance ( the collection agency has been adding interest also on this invalid debt ) which I submitted with the dispute. This has been negatively impacting my ability to get credit for over XXXX  years now.
Complaint sub-issue: Investigation took more than 30 days

This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Complaint sub-issue: Account status incorrect

MY NAME IS XXXX XXXX, I HAD A CAR THAT I BOUGHT FROM CARS FOR LESS IN XXXX NC BACK IN XX/XX/XXXX I WAS TOLD THAT I HAD TO HAVE A XXXX DOWN PAYMENT AND I GAVE HIM XXXX AND HE SAID THAT HE WILL PUT XXXX TO GET THE LOAN AND I ADV HIM NO, BUT HE DID IT ANYWAY AND I WAS GRANTED THE LOAN FROM XXXX XXXX XXXX. I HAD NO ISSUES MAKING MY MONTHLY PAYMENTS UNTIL MY JOB GOT SLOW AND I WAS ONLY WORKING 1 DAY A WEEK. MY PAYMENTS WERE DUE ON THE XXXX OF EACH MONTH. IN XX/XX/XXXX I CALLED THE COMPANY AND ASKED IF I COULD PAY MY PAYMENT ON THAT FRIDAY WHICH WOULD HAVE XX/XX/XXXX I CALLED WED THE XXXX I WAS TOLD THAT THIS WOULD BE FINE AND I COULD CALL IN, BUT ON THAT THURSDAY NIGHT I HAD TO WORK AT XXXX AND MY CAR WAS GONE i was told that CAR WAS REPOSSESSED FOR NON PAYMENT AND THEN I WAS TOLD WAS REPOSSESSED FOR NO PROOF OF INSURANCE AND THEY BOTH WERE NOT TRUE I CALLED AND MADE AN ARRANGEMENT AND I ALSO HAD FULL COVERAGE THE ENTIRE TIME I HAVE EMAILS THAT THE REP SENT AND REORDERED CALLS THAT THEY HAVE AND NO ONE COULD GIVE ME A GOOD ANSWER AS TO WHY NOT ONLY THAT I WAS TOLD THE CAR WAS A LEASE AND I NEVER EVER HAD ANY IDEA OF THIS AND WAS NOT EVER TOLD AT THE TIME OF THE DEAL THAT I WAS IN A LEASE. NOW THEY ARE SAYING THAT WILL BE ON MY REPORT AS A REPO AND I DO N'T THINK THIS IS FAIR I HAVE TRIED AND TRIED TO DISCUSS WITH THEM BUT TO NO AVAIL THEY WONT LISTEN I HAVE FILE A COMPLAINT WITH THE ATTNY GENERAL AND NOW WITH YOU PLEASE HELP ME PLEASE GET THIS CORRECTED IN ANY AND EVERY WAY YOU CAN ASSIST ME. PLEASE ASK THEM FOR EVERY CALL AND EVERY EMAIL THEY HAVE THANKS IN ADVANCE I FEEL SCAMMED I HAD MY GIRLFRIEND DISCUS WITH THEM VIA EMAIL
Complaint sub-issue: Company closed your account

My checking account with Citibank was placed on fraud alert on XXXX XXXX. Checks were forged and I received a copy of the fourth forged check and the bank is again trying to charge me XXXX from my now closed account and where they are also holding my VA federal funds hostage. This bank knows I didn't forge any check and why are they charging me.
Complaint sub-issue: Trouble with how payments are handled

Trying to get onto this XXXX XXXX XXXX XXXX plan has been much more of a headache than it should have been, and my issues still have n't been resolved. When I submitted my materials last XXXX ( 2016 ) and received approval, my loans were transferred from XXXX XXXX to FedLoan. Since then I have called and called trying to get status updates. At first they were n't able to view any of my information for about a month. Then nothing showed up in any paperwork about the XXXX plan. After calling, I was told it could take up to 90 days for it to process and then would be visible on the website, but that it usually does n't take that long. I called after a couple of months had passed, was told by an irritable-sounding employee that it had n't been 90 days yet ( i.e. " Why are you calling? '' ) I called again weeks after ( by my calculation ) 90 days had passed, and was told by an even more irritable sounding employee that it had n't been 90 days yet. A week or two later, I received a billing statement that showed I had made XXXX qualifying payments. I had been expecting something closer to XXXX qualifying payments! I called again today, spoke to another irritated-sounding employee who told me that I only had XXXX qualifying employers listed on file. There should have been XXXX, and I told her that. She told me that the third employer certification had been denied for missing info. I had NEVER received any kind of communication to this effect. She told me I " would be more than welcome '' to resubmit the certification on the third employer. After getting off the phone, I looked up a copy of what I had submitted ; there was no info missing on the application. I called back and spoke to XXXX. Thank XXXX XXXX was a nice, patient employee who actually seemed interested in helping me resolve my problem. He looked everything up and discovered that the third certification just had not been processed. I 'm still not clear as to why, something about it being labelled a " duplicate. '' It was a " duplicate '' because I had originally resubmitted it last XXXX to include some missing info. They apparently just had not considered the corrected form. I wonder if this is something they do often. If I had n't been paying close attention I do n't think this " error '' would have been caught - I never received a denial of my updated certification and I never received a breakdown of what payments would be considered qualifying payments and from which time periods. Anyway, XXXX said he was submitting a request to reconsider the paperwork they had already received and that it should take XXXX10 days to process. I do n't have very high hopes that it will be taken care of without more effort on my part. I am so sick of these student loans.
Complaint sub-issue: Information belongs to someone else

I call Equifax on the phone to dispute it. Told them I talk to the company and its fraud.
Complaint sub-issue: Debt is not yours

To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company AFNI A clause in the original signed contract that authorizes you to collect on this debt. 

ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.
Complaint sub-issue: Account status incorrect

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Complaint sub-issue: Debt is not mine

After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.
Complaint sub-issue: Threatened to sue you for very old debt

CONN APPLIANCES , INC CONTINUES TO REPORT TO THE CRA 'S A DEBT THAT IS NO LONGER VALID, OVER SEVEN YEARS OLD. ITEM HAS BEEN DISPUTED NUMEROUS TIMES AS TO THE VALIDITY OF THE DATES AND REFUSES TO REMOVE ITEM.
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$800.00}
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX and I am a former customer of XXXX XXXX. In XXXX, I purchased a home using XXXX as my mortgage company. We closed on the house in XX/XX/XXXX. Fast forward to XXXX, I had the opportunity to refinance my house at a lower interest rate while shaving off 4 years off the note. I began the refinance process in XX/XX/XXXX. My monthly mortgage payment was always paid via auto-deduction. I paid my mortgage in XX/XX/XXXX like normal. However, for XX/XX/XXXX, I stopped auto-pay because the house would be refinanced. I informed XXXX of the refinance process when I stopped the auto-pay. My XX/XX/XXXX mortgage was officially due on XX/XX/XXXX. The house was paid off via refinance on XX/XX/XXXX. I provided XXXX with proof ( documents ) to show that they received the entire balance pay off yet they are reporting to the credit bureaus that I was over 30 days late. Again, my payment was due XX/XX/XXXX, and the entire house note was paid off on XX/XX/XXXX. They are falsely reporting that I was " 30 days '' late when that is not possible. I made contact via email with various executives at XXXX and they have ignored my request to remove this from my credit reports. In fact, they have not bothered to respond to my email at all. Persons contacted include XXXX XXXX, Executive Vice President and President of Mortgage Banking, as well as XXXX XXXX, Senior Vice President of Mortgage Servicing and XXXX XXXX, Chairman of the Board for XXXX. I filed a complaint with Equifax Credit Reporting and they advised that XXXX confirmed that in XX/XX/XXXX, I was 30 days late. Thus, the credit reporting agency is also refusing to correct this information even though I have proof that the entire mortgage was paid off in XX/XX/XXXX. Address of the property was XXXX XXXX XXXX, XXXX, TX XXXX.
Complaint sub-issue: Investigation took more than 30 days

I sent a letter out on XX/XX/2022 to XXXX, Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Account information incorrect

The balance that shows on my credit report is wrong and I paid XXXX off and it still on my credit Moneylion XX/XX/2022 To whom it may concern, As per our request, XXXX XXXX, We would like to inform you that your MonevLion loan XXXX has been paid in full. The loan was opened on XXXX in the amount of {$500.00}. Your final payment in the amount of {$230.00} was received and posted to your account on XXXX. 
Should you have any further questions, please feel free to reach out to our Customer Service Support team during business hours at XXXX. 
Thanks for being the best part of MoneyLion! 
Best Regards, MoneyLion Support
Complaint sub-issue: Their investigation did not fix an error on your report

negative collections remove now!!! XXXX XXXX acct # XXXX {$7400.00} and XXXX XXXX acct # XXXX {$100.00} These collection payments must be removed asap, These negative medical accounts are also in violation of the Health, Insurance, Portability, Accountability, Act ( HIPPA LAW ) 1996. I have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and i have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. Thank you XXXX XXXX