Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/2022 I received alerts from XXXX via my Citibank account that {$4900.00} was sent to XXXX XXXX. I did not authorize this XXXX and I do not know the person. Whom ever hacked my account continued to send {$500.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, and {$490.00} to various people. The hackers also opened 2 unauthorized checking accounts and put {$5200.00} from my savings into these fraudulent checking accounts, {$2600.00} in each account. I contacted Citibank and after several hours, I finally got ahold of someone and it took several weeks to get someone to help me. Citibank credited some of the initial XXXX balance and continue to ignore the other XXXX. XXXX is not a service I use often and I would never send so much money in one day in a 2-hour window. I froze the accounts, changed my passwords, and contacted the credit companies. I changed my email password because I started receiving thousands of spam from websites I do not use. I have filed a dispute with Citibank twice and my claim continues to be denied. I have had almost {$9000.00} taken from my checking and savings, there are two checking accounts separate from my primary account that have been without my authorization and Citibank continues to ignore my pleas. I have signed up for XXXX and frozen my credit with all three of the credit Bureau '. I have been a customer with Citibank for over 15 years and this is the worst treatment I have received by any financial corporation. I am a XXXX, with a family and I can not accept that they are just allowed to do this. XXXX and Citibank need to be accountable.
Complaint sub-issue: Information belongs to someone else

Notice for Proof of Claim Account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, NTL RECOVERY AGENCY # XXXX To Whom it may Concern : Thisis a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts States ( C ) No collection agency shall commence litigation for the collection of anassigned account, bill, or other evidence of indebtedness unless it has taken the assignmentin accordance with all of the following requirements : Credit contracts are non-assignableeven if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of theparties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment wasmanifested by a written agreement separate from and in addition to any documentintended for the purpose of listing the account, bill, or other evidence of indebtedness withthe collection agency. The written agreement shall state the effective date of the assignmentand the consideration paid or given, if any, for the assignment and shall expressly authorizethe collection agency to refer the assigned account, bill, or other evidence of indebtednessto an attorney admitted to the practice of law in this state for the commencement oflitigation. The written agreement also shall disclose that the collection agency mayconsolidate, for purposes of filing an action, the assigned account, bill, or other evidence ofindebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that yousend me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mailand I will extend you 15 extra days. I also request to see a certified copy of any contract oragreement between you and the original creditor that gave you the right to collect this debt.
Complaint sub-issue: Information belongs to someone else

This is 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my files coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

This bank does a horrible job at processing disputes. I have a major dispute created XXXX against a company that has been scamming consumers out of money. I called in multiple times and emailed but no help so far. The dispute process is frustrating because I have to write in a complaint about the dispute to be taken seriously. I have proof that I tried contacting the merchant in several different ways - email, text, phone, and social media and never once got a reply. I have proof that I reported the business to the XXXX XXXX XXXX and to the federal trade commission over the fraud, but I haven't heard anything back from PNC. I sent over screenshots of other victims saying they got scammed too and their banks helped but mine is radio silent unless I report them to your establishment.
Complaint sub-issue: Account status incorrect

This letter is formal complaint that credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify and deleted : 1. Balance of the account is incorrect. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in my credit report. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Complaint sub-issue: Don't want a card provided by your employer or the government

On XX/XX/2021 I received a US Bank ReliaCard in the mail. It came with the correct last name, but misspelled first name. I never applied for an unemployment card seeing i am currently employed and have been for the last 7 years. I read that there was a scam out on these cards and I want to get to deactivated. Neither your customer service line or the company are taking calls. Every time I call I either get no response or it says it is outside of office hours, even though it is clearly not. At this point I just want it to be handle.
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX 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: Funds not handled or disbursed as instructed

Citi has a streaming service rebate that I signed up for. 
It reimburses the purchase if you use the citi debit card and enroll in the program. 
I did both but the purchase didnt register. 
After waiting the recommended 7 days, I call a representative and he confirmed that I was enrolled at the time and that the purchase should be reimbursed. 
He advised I contact my account manager.

Its been two weeks and he hasnt replied to my email.
Complaint sub-issue: Received bad information about your loan

I am enrolled in the public service student loan forgiveness program. I enrolled in the program in XXXX. I have been in an income based repayment plan the entire time, re-certified my income every year, and I have always been on direct debit for the payments. My loan was transferred to XXXX, who two years ago told me that my payments have not qualified toward student loan forgiveness. They can't tell me why. I advised them that this is impossible due to having been on the proper type of loan on direct debit with annual re-certification, and they have been " reviewing '' this for almost TWO YEARS. ( XXXX of XXXX will mark two years they're " looking into it. '' ) I even sent them proof of all the payments prior to the loan being transferred to them. They are not doing anything and lying to me that my payments haven't qualified. I need them to certify that my payments have in fact qualified and that I am on target for the loan forgiveness in XX/XX/XXXX. I have attached proof of payment of my loans dating back to XX/XX/XXXX that I submitted two years ago to prove that my payments have always qualified.
Complaint sub-issue: Problem making or receiving payments

Citibank reduces next day Institutional Transfers to ones External Accounts from XXXX to XXXX XXXX XXXX REDUCTION!! 


Dear Consumer Financial Protection Bureau, I just found out that Citibank has reduced their next day Inter Institutional Transfers to ones External Accounts have been lowered from XXXX  to XXXX} until further notice. That is a XXXX XXXX REDUCTION! This just happened recently and I believe it is due to the whole XXXX shorting saga. What this policy can do is put the individual investor behind the 8-ball because they may need to move their money into their brokerage accounts to cover their trades. Citibanks standard service takes 3-5 days that is longer than the 2-day settlement date one is given to settle their stock trades. I also ask you, What good is being able to transfer only XXXX  a day? 

These are the messages that is posted once you sign into your Citibank account : - Effective immediately, as a security measure to protect Citibank accounts, the limits for next day Inter Institutional Transfers to your External Accounts have been lowered to XXXX until further notice. You can continue using the standard service to transfer to your External Accounts for amounts greater than XXXX 


When taking to a Citibank representative, these were their responses : - We never intent to upset our customers however it is applied to secure the fraud transactions.. 

- It is to protect Citibank accounts from a heightened risk of fraud, I am sorry for any inconvenience this has caused to you - It was initially XXXX using next day service now it was lowered to XXXX whereas standard transfer is still same with limit of XXXX - As an enhanced security measure and to protect Citibank accounts from a heightened risk of fraud, the limits for next day Inter Institution Transfers were lowered. You are still able to send IIT 's with a higher amount using the standard service. 

- However this change was made to all our customers however you can still transfer through standard transfer type for XXXX per day and monthly limit is XXXX I think that this seems like something to look into.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was looking at my credit report and noticed the following unauthorized inquiries.

Transunion : Onemain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries.

Can you remove them from my credit report immediately.
Complaint sub-issue: Information belongs to someone else

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Complaint sub-issue: Received bad information about your loan

I have made over XXXX payments on my student loans and have been employed in nonprofit ( public schools & state universities ) for over 25 years. I have detailed records of being advised against XXXXXXXX XXXX. Once in the XXXXXXXX XXXX I had forbearances added to my account without my knowledge because I took graduate classes ( this automatically prompts the system to add a forbearance ) so I have payments that were made that will never be counted against my loan. After 25 years I still owe over {$10000.00} and have only XXXX payments count as qualifying for the loan program despite making many more payments. The current provider ( Mohela ) has several inaccurate things on my account which I have been unable to correct. These include saying that the loans are waiting to be consolidation ( have been consolidated over 5 years ), saying they are waiting for employment certification ( I have records of submitting the appropriate documentation ) and they sent me a letter that my account was being processed and my request for discharge would be answered in XXXX business days. It has been over 70 days and I have no correspondence. They have no mechanism to talk with an account XXXX. I have waited on hold for hours, been cut off several times and have had customer service agents run me in circles and then hang up. I have detailed notes on everything and am often reduced to tears because of the situation. I don't know where to turn or who could help me. My loans just keep rising due to being from the early 1990 's and having high interest.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AFNI Inc. which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. AFNI Inc. has not provided any documentation period regarding my request or dispute. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of AFNI Inc. AFNI Inc. is in violation of the fair debt  collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Complaint sub-issue: Termination fees or other problem when ending the lease early

I am writing you because I leased my car with US Bank on XXXX. The price of the car when I leased it at the dealership was {$52000.00}. Unfortunately, I was hit by another vehicle on XX/XX/22 and my car is totaled. 
My car insurance informed me they would award me {$62000.00} for the claim. I contacted US Bank on XXXX XX/XX/XXXX and asked them how much it was to buy the car and they said {$44000.00}. The loss department sent my insurance a letter of guarantee saying they will require the entire amount that my insurance is providing which is {$62000.00}. I found that very odd since the price of the car when I bought it was less and I have made 17 payments of {$790.00} which comes to a total of {$13000.00}. 
When I called the loss department, conveniently enough, they don't speak to the customer but only directly to the insurance. I realized that is just so that the company can ask for the entire amount of the money being provided by the insurance. I asked my insurance to request a break down of how they got to the number and they said they don't provide that information either. VERY CONVENIENT AGAIN! 
I made my insurance stop the payment because this is outrageous. A lawyer recommended I buy the car for the {$44000.00} and then the insurance would have to send me the check directly to me. However, when I called the company they said that they don't own the car even though I have explained to them that they do since the payment was stopped and that I want to buy it. So, what they did is transfer me all day and then they say I must speak with the loss department, but the loss department won't talk to me, only to my insurance. 
This car leasing company is pocketing {$18000.00} from my insurance claim that does't belong to them.
Complaint sub-issue: Their investigation did not fix an error on your report

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX. The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my credit score XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and equifax there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXX  still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Complaint sub-issue: Their investigation did not fix an error on your report

On my credit report with XXXX, XXXX and Equifax it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by XXXX that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as XXXX states thats the reporting individuals.I also have a credit freeze with multiple agencies.
Complaint sub-issue: Problem getting my free annual report

I have requested my free annual credit report several times. Equifax has refused to give me a copy of my report stating that the information I have provided is not matching their records. I have attempted on XXXX/XXXX/XX/XX/2015 to obtain a report using the XXXX website they forced me to go to. At that time, I entered my information and requested an XXXX and Equifax report. XXXX sent the report without issue. I called Equifax today and was told I needed to enter correct information. I did. They refused mecagain online. They do not have a way to speak with someone and have refused to assist me. This violates my FCRA rights and I would like an investigation done.
Complaint sub-issue: Problem during payment process

Elain Financial Services didnt give me credit on my account for the month of XX/XX/2020. As factual proof of payment for the month of XX/XX/2020, I provided Them with my citizens bank statements showing multiple payments being made via automatic pay for the month of XX/XX/2020.
Complaint sub-issue: Contacted your employer

Today XX/XX/2021 around XXXX XXXX  someone from Discover credit card called my place of employment, the phone call was transferred to my desk, I picked up the phone and identified myself, then the caller explained to me the reason for the call, after that, I told her that I was at my place of employment and that I was not in a private place to talk about my debt and that I was not allowed to take personal phone calls, ( XXXX XXXX XXXX XXXX XXXX XXXX  but nothing that I said stopped her from trying to go over my debt and options that they have for me. I had no other option than to hang the phone call. Then, my co-workers began questioning me what the call was about. 
I enrolled with -XXXX XXXX XXXX- because my debt was getting out of control. They told me that is illegal for them to call my job and that I should report any debt collector that called my job. I just want them to stop calling my job. I Called Discover to inform them that I have enrolled with XXXX XXXX XXXX and that it will take time until we reach an agreement. All I need is help to stop Discover from calling my place of employment.
Complaint sub-issue: Reporting company used your report improperly

This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.
Complaint sub-issue: Deposits and withdrawals

I opened a savings account with Discover Bank on XX/XX/21 and even had to call in to do a verification call with them. At no time even when calling in before the account was opened did they say anything about an account I had from a few years ago that was closed. NOTHING!!! So I was not even aware of this account, well two days later the froze the account and closed it because of this old account. Now mine you I had deposited a settlement check I had gotten from an insurance settlement. This check was to be held for 7 days, which was fine since I just wanted the money for savings. Well I called when I got the text about the account be frozen and was told it was closed and most likely the would just reverse the check deposit since it was still pending, I of course did not believe this and called XXXX where the check was drawn from and was told the check had been cashed already! SO I called discover back and was told so rudely oh yea well we will mail you a check after it has been 60 days! What! Oh yes its are policy to keep customers money to make sure everything is ok. Really OK with what! The account had only one transaction and it was the deposit, its been 2 days! Well he said so sorry too bad were keeping your money for 60 days then we will mail you a check and it will take another 2 weeks.