Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You never received your bill or did not know a payment was due

I am seeking the intervention of the CFPB in an attempt to correct critical information adversely impacting my FICO, XXXX  and XXXX XXXX credit reports attributed to negative reporting from Citibank credit card. The matter at hand took place during the billing period of XX/XX/XXXX XX/XX/XXXX. The balance on the Citibank card was {$3800.00} at the start of the billing period. Three recurring payments from my checking account were subsequently credited to the Citi account on XX/XX/XXXX ( {$40.00} ),  XX/XX/XXXX ( {$40.00} ), and XX/XX/XXXX ( {$40.00} ). On XX/XX/XXXX of the same period, a one-time payment of {$3700.00} was made via the Citibank customer service XXXX number, rendering a negative balance of - {$2.00}. Unknowingly, on XX/XX/XXXX the Citi account was charged {$28.00} interest for the billing mentioned above. The - {$2.00} credit from XX/XX/XXXX was  applied to this interest amount, leaving a new balance of {$25.00}. This last transaction would not be discovered until several months later, approximately around XX/XX/XXXX, while checking my annual credit reports. The missed payment had triggered an overwhelming sequence of events namely ; my Citibank credit card of 6 years and $ XXXX limit was canceled by Citi , 60 and 90-day delinquencies were reported to the credit bureaus, and my FICO score plummeted from XXXX to XXXX. On XX/XX/XXXX I sent a Letter of Error notice to Citi Bank Credit Bureau Dispute in efforts to rectify the oversights. This attempt to fix the errors would prove to be futile. Following my dispute, I uncovered additional circumstances that compounded efforts to remedy the situation. Because I elected to go paperless, I should have received my credit card statements via email. However, correspondence with XXXX XXXX XXXX found that all emails from the Citi group were added to the list of blocked emails within the security and privacy setting for my account. Therefore, I did not receive any notice of late or missing payment. Secondly, while making the XX/XX/XXXX payment via the Citibank customer service XXXX number, I selected to hear my current account balance and paid ( over ) that amount firmly believing that this transaction had settled the account. However, Citibank would later inform me that the current account balance information is not reflective of a payoff amount. This revelation was troubling since there is no option to hear a payoff amount on the customer service phone number. Hopefully through this communication Citi will earnestly reconsider the facts and apply common sense to an uncommon situation. I was a loyal customer to Citi for 6 years, typically paid weekly, in advance, over the minimum, and without ever missing a payment. After paying {$3700.00} to settle the account, my evidential history proves that I would not have intentionally paid {$25.00}?! Thanks in advance for your help and consideration.
Complaint sub-issue: Reporting company used your report improperly

In Accourdance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Number # XXXX Account number # XXXX Account number # XXXX Account Number # XXXX Account number # XXXX 15 usc 1681 section 602a States I have the right to privacy any consumer reporting agency may furnish 15 U.S.C 1681 Section 604A Section 2. a consumer report under the following circumstances and no other without my written instruction.

15 U.S.C 1681c. ( A ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than Seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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: Banking errors

Unbeknown to me, my PNC checking account was compromised by some individual, that we don't know, using a mobile application to cash multiple unauthorized or fraudulent checks. Immediately upon learning of this theft on XX/XX/XXXX, the bank was notified in person the very next day, since the customer service center was already closed. PNC explained not to worry that they would take care of this theft and refund our money. I walked away relieved! 

Fast forward to XXXX, the theft claim was denied because we reported the fraud 30 days after the first occurrence. Unfortunately, we had no idea unauthorized checks were being processed by PNC since we mostly use ATM, ACH or cash/balances for transactions. The thief started cashing unauthorized fake checks in small amounts to avoid suspicion - sadly it worked. 

PNC should have a noticed the high increase of checks being processed since as noted earlier, I use maybe 2-3 check per month. We were not notified of this unusual activity. PNC has copies of the all fake checks with clear false signatures. 

This individual knew how to easily compromise a checking account and steal money from PNC. Worse yet, they will do it again if not stopped by the authorities ... 

While it is ultimately the consumers duty to maintain the health of their checking accounts, whether high or low balances, I trust PNC or any other bank for one main reason - to keep my money safe from thieves. I have been a loyal PNC customer in good standing, for at least 10 years if not more, and also still have a money market account with them. Yet some of the recent conversations with PNC staff regarding this blatant check fraud, were questioning of my character and honesty. 

At this time, we have filed an appeal with PNC requesting all my stolen funds be returned to my account. Any assistance or guidance CFPB can provide will be greatly appreciated. 

Thank you. XX/XX/XXXX 2019
Complaint sub-issue: Attempted to collect wrong amount

BWW Law Group representing XXXX XXXX XXXX has continue to make false statements in reference to a court case involving the property XXXX XXXX XXXX XXXX. See complaint # XXXX The judge never ruled on the Fair Debt Collection Practices. BWW Has continued to violate Fair Debt Collection Practices 807, 809 and 814. The judges ruling is only pertaining to an affidavit not debt collection practices. I am requesting that Consumer Financial look at the documents and due diligence in holding BWW Law Group accountable for the debt collection practices of this law firm.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE MADE A NUMBER OF ATTEMPTS FOR EQUIFAX TO REMOVE A ERROR ON MY REPORT OVER A YEAR AGO, AND THEY REFUSE TO REMOVE THE ERROR. I DISPUTED A BANKRUPTCY AND A NUMBER OF ACCOUNTS ALSO INQUIRIES ON MY EQUIFAX CREDIT REPORT AND THEY DIDNT INVESTIGATE THE ERRORS, THE BANKRUPTCY CASE # XXXX I AHVE DISPUTED WITH EQUIFAX AND THEY TOLD ME IT WAS VERIFIED BY XXXX, WELL XXXX FOR THE PASS YEAR SENT ME LETTERS SHOWN ME THAT THEY REPORTED THIS AS A ERROR TO EQUIFAX MORE THEN 7 TIMES, EVERYTIME I DISPUTE THE ERROR EQUIFAX TELL ME THEY VERIFEID THIS WITH XXXX WELL THIS CANT BE TRUE XXXX SENT EQUIFAX LETTERS TO REMOVE THIS BANKRUPTCY AND YET EQUIFAX HAS NOT ALSO ACCOUNTS AND INQURIES. 

Bankruptcy # XXXX ( NEED TO BE REMOVED DUE TO ERROR XXXX HAS CONTACTED EQUIFAX A NUMBER OF TIMES TO REMOVETHIS BANKRUPTCY ) XXXX XXXX  ( OPEN, NEVER LATE, XXXX BALANCE THIS ACCOUNT IS ACTIVE NOT CLOSED ) THIS ACCOUNT SHOULDNT BE REMOVED BUT UPDATED XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS, ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT,
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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: Investigation took more than 30 days

On XX/XX/2021, I mailed a letter regarding inaccurate, unlawful, and unproven items on my report. Over 60 days later, the company has yet to lawfully handle my complaint as the letter indicated it is not a regular dispute. I am being taken advantage of and the actual complaint is being ignored. Section 611 ( a ) states. Clearly, failure to investigate items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand the accounts be deleted or I will have to resort to filing litigation for the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. Keep in mind, XXXX did a thorough investigation and truly looked into my complaint and complied based on the federal guidelines.
Complaint sub-issue: Company closed your account

I had just opened a basic online savings account with TIAA Bank, which showed up in my online banking. Today, I logged onto my online banking and saw that TIAA had closed my online savings account without any kind of notice or explanation.
Complaint sub-issue: Information is not mine

TODAY, XX/XX/XXXX, FOR THE FIRST TIME I APPLY FOR A CREDIT REPORT AND MAKES QUESTIONS OF ACCOUNTS FOR XX/XX/XXXX LIKE XXXX CARD, CARS ACCOUNT ETC, WHEN I JUST HAVE XXXX YEARS I LIVE WITH MY PARENTS AND I DO NOT HAVE CREDIT CARDS OR AUTO, WHAT I CAN DO AS I UNDERSTAND THAT SOMEONE HAS STOLEN MY IDENTITY
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am potentially impacted by the Equifax hack. As a XXXX person with a high credit score, this could cripple my future. 

I am highly displeased that their " solution '' involves opting out of a class action lawsuit.
Complaint sub-issue: Didn't receive advertised or promotional terms

About a year ago I was offered via regular mail a VISA card through XXXX XXXX that would be XXXX interest for the first 18 months. It sounded like a good deal and I took advantage of it. 

Earlier this year, US Bank bought XXXX XXXX 's XXXX contracts. It was to be a seamless transition. I assumed that all offers made by XXXX XXXX would be honored. Not so. 

XXXX XXXX sold my contract to US Bank representing it as earning 14.99 % which it was not, at least not at that time and would not be earning interest until sometime around the first few months of 2022. 

After receiving two bills adding interest to my account XXXX to the tune of some $ XXXX XXXX, I contacted US Bank customer service to find out what was going on. I should not have been charged interest for several more months. The hapless representative who went by the name of 'Amythyst ' was unable to access any of my account information prior to the US Bank acquisition in XXXX of this year, I believe it was. XXXX XXXX only said this account was earning 14.99 %. She had the authority only to lower that by two percentage points even after checking with their contracts department who could offer no additional light on this. Neither did they have any contact information for XXXX XXXX. 

It appears that I am left holding the bag on this. I suspect that I am not the only former XXXX XXXX XXXX holder who is now, and in breach of contract being charged interest with no immediate remedy available. 

I suspect, and this is only my opinion, that there are some shenanigans going on behind the scene here. Did XXXX XXXX 'fatten ' the deal to XXXX Bank XXXX new accounts acquired through their generous no interest offer and then represent them as earning 14.99 % in the sale of those contracts to the bank? Stranger things have happened and I wonder. 

What recourse do I have at this point? This has put me in a bit of a financial bind. 

Thank you for taking time for this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX
Complaint sub-issue: Banking errors

Trying to use XXXX XXXX and they are taking too long to send information that 's been requested
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Bought item and returned the credit company is not refunding money. 
XXXX XXXXXXXX # XXXX amount is {$110.00} and bought XXXX XXXX. 
XXXX  XXXX # XXXX amount is {$70.00} and bought XXXX XXXX. 
XXXX is {$180.00}. 
Th above XXXX items ordered and returned to the merchant Return Receipt with tracking number provided to Citi Bank dispute team. But Citi Bank XXXX department denied refund and saying I did return items and I'm responsible for {$180.00}. They were saying that they were going to report to the all XXXX major credit card agencies.
Complaint sub-issue: Debt is not yours

This account does not belong to me. I am requesting that it be removed from my credit report.
Complaint sub-issue: Termination fees or other problem when ending the lease early

On Friday, XX/XX/XXXX I totaled a vehicle that was leased from XXXX with Volkswagen Credit as the financier and lease servicer. 

At the time I was 3 months behind on payments, which I agree I owe. This should make the total amount that I owe roughly {$1000.00}. 

After totaling the car I submitted a claim with my insurance company the same day, the company agreed the car was totaled by the following Monday, XX/XX/XXXX, and began to work with XXXX to resolve the lease. 

XXXX failed to supply the correct paperwork to XXXX which prolonged the time that it took to complete the insurance claim, which allowed them to bill me for XXXX additional car payments following the date that the car was totaled, the date that XXXX agreed it was totaled and began to work with XXXX to make them whole. 

I have an issue with being responsible for an extra {$700.00} of car payments that were the result of a clerical issue by XXXX. This seems like it's a conflict of interest. By purposefully submitting inaccurate information to the insurance company they are able to prolong the liability of payments to receive more money.
Complaint sub-issue: Information belongs to someone else

I've tried for close to a year now to validate the alleged debts Equifax continues to claim verified and falsely leave on my credit report. I have written request to validate letters to the address they have on my credit report and my mail comes back to me as undeliverable. I have tried to call the XXXX number listed for them as well and it is a complete spam number that leads to someone in XXXX. I have attached screenshots of my credit report with the information they have reporting as the contact information for the US DEPARTMENT OF EDUCATION. This has been an ongoing issue with Equifax to properly address my concerns and I have frankly been an emotional wreck. I can't sleep or function because my brand and character are being negatively impacted by this false debt being attached to my credit report. I am demanding once and for all as a federally protected consumer that Equifax REMOVE THIS false claim before civil litigation is pursued. Equifax states this information is accurate and true, updated every month but it isn't. As a credit reporting agency they are completely violating the Fair Credit Reporting Act and emotionally destroying a consumer.
Complaint sub-issue: Account status incorrect

My account has been on auto pay since XX/XX/XXXX. XX/XX/XXXX I get an alert that my account had a missed payment, which was untrue. I tried to reach out to the company and it appears that they are out went out of business, the phone number doesn't work nothing, meanwhile all the major credit agencies have been notified and the was back on XX/XX/XXXX, I have yet to receive a update, I called them and they are saying I just submitted dispute which was a lie, I am getting the run around
Complaint sub-issue: Information belongs to someone else

I noticed on my Credit Karma report that there was a credit hard inquiry on my account ( first appearing on todays report, XX/XX/2019 ). I have not applied for an loans, apartments, new lines of credit, etc. Of course, Id like to know who and why theres a new hard inquiry.
Complaint sub-issue: Was not notified of investigation status or results

I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from LEXINEXIS for XXXX that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : XXXX & XXXX
Complaint sub-issue: Problem making or receiving payments

I can not make payments via XXXX. The error says " my bank has made a change that does not allow the app to connect ''
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Trouble with how payments are being handled

As of XX/XX/XXXX I have e-mailed my loan handler several times in reference to a discrepancy on my loan balance. I picked up on the discrepancy due to an update on my credit report which shows it as a credit limit increase. However, the balances were current and the result of previous disbursement as it was stated on my financial aid reward. To simplify things previously opened account with balances were further charged not to cover for my expenses such as tuition but for purposes unknown to me.In fact, the form XXXX shows the accurate amount of {$11000.00} paid on tuition for academic year XXXX. However, after having contacted the loan handler and the school financial aid department alike the amount paid for tuition was adjusted to compensate for such additional charges. In any case, I am being overcharged by several thousands of dollars and no one is acknowledging the nature and gravity of the problem. I want to point to the fact that such issue could be consider criminal in nature considering the fact that it involves cash and actions that could be interpreted as fraud and theft. By my calculation the extra charges at least the one I found total around {$7300.00}. However, I wonder if such practice is unique to this situation or if it has been done several times before. Logically, requiring a complete examination of my complete borrowing history.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax XXXX XXXX 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 and need to delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

I have been trying to get my home refinanced and as part of this I need to get my credit report from all three bureaus. XXXX and XXXX  have no issues sharing my credit report. Equifax said that I locked my credit report and would not unlock it even when I called numerous times to free the report. They then informed me that the credit report was freed, however when it was checked there was no information contained in the report. When I spoke with them about it they told me there was an issue with the address that I was using. I have a physical address and a P.O. Box. They said that I need someone to report my credit using both addresses. I checked with my bank who advised that they reported my loan status to Equifax. They said that they have sent the report with both addresses every time the report is sent. I have spent no less that 5 hours on the phone with Equifax through numerous phone conversations. They have been the cause of numerous credit failures from not being able to rent a car, to not being approved for a credit card. They refuse to help and are costing me money daily due to the fact that I can not improve my finances as a result of their failures!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I show a hard inquiry in my credit report from the following : XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX When I tried to call number disconnected. A XXXX search reveals they have been doing this to many people. The XXXX XXXX XXXX XXXX XXXX has a note on their website about this
Complaint sub-issue: Problem with personal statement of dispute

On XX/XX/XXXX, I sent Equifax Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Equifax to submit verifiable proof since these are unverified bankruptcies. Equifax sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is reported correctly and currently reporting as discharge. On XX/XX/XXXX, I mailed Equifax another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Equifax has failed to provide me with the information I have requested. This is a violation of the Fair Credit Reporting Act. I have verified and received correspondence from both bankruptcy courts and XXXX, that they do not verify information with the credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

I was affected by the 2017 Equifax hack. I checked on the website  and it told me that : "Based on the information provided, we believe that your personal information may have been impacted by this incident."
Complaint sub-issue: Account information incorrect

My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on my credit report.