Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Banking errors

I tried to make a payment and miscalculated over by {$200.00} on XX/XX/XXXX. I've since, 12 days later, have not had the error cleared with that credit card payment attempt with XXXX bank. I have pursued resolve with both XXXX and Ally and I still have no solution. Both banks blame each other. XXXX says they're waiting on Ally to finish their job with the fed reserve for the fed to send back the error. I asked Ally to fax XXXX, which city at first said would help, and later said would not. Ally though, said they won't, and to use my email letter I received. I have since used the letter to fax to XXXX. Ally said they'd forgive my error and return my {$25.00} overdraft fee. They did do that, then somehow, insanely, have RECHARGED me {$25.00} two more times. This is insane.
Complaint sub-issue: Debt resulted from identity theft

Hi this company has XXXX accounts on my XXXX, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the XXXX and XXXX theft. I want it removed and please have them to stop putting it back on after it was taken off Account # XXXX XXXX {$1000.00} Fraud Account # XXXX XXXX {$1000.00} Fraud
Complaint sub-issue: Information belongs to someone else

It appears that my complaints # XXXX, XXXX, and XXXX that I submitted on XX/XX/XXXX was closed when I checked it. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 notice of right to dispute

In XXXX of 2020 I took out a loan for {$600.00} with SOLID OAK FINANCIAL SERVICES and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from XXXX XXXX. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling XXXX the only options they give me is to refer to my original loan agreement which was NEVER provided by Solid Oak Financial Services. XXXX also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. 
TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the Fair Credit Reporting Act XXXX account # XXXX 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, also states that consumer reporting agencies can not furnish a account without my written instructions.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/2021, I returned my online ordered items to Macy 's store in XXXX XXXX XXXX and was issued with a gift card in the amount of {$170.00}. and early this XXXX when I attempted to use it and found was locked by Macy then I made 5 phone calls ( 2 from home and 3 from the store ) plus 2 emails since XXXX trying to get this gift card unlock ; every time when I called, every customer service at the gift card department I spoke with, promised will get it unlocked after 7 to 10 days but it's still not being unlocking until now. 2 emails sent to their gift card department XXXX also never get a single response. when I attempt to resolve this issue with Macy they gave me a case number which is XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

I opened the citi bank account on  XX/XX/XXXX .  And I was qualified for the promotion of {$400.00} offered by citi then for account opening and deposit. But it had been almost 9 months since then. I still has n't received it yet.  <P/> In the past months, I submitted all documents citi required. But every time, they said it worked now. But every time when I checked with them again, they would found an excuse and mentioned I was not certified again.  <P/> For e.g, I went to citi bank branch to meet a personal banker directly and submit the documents they asked again  2 weeks ago. T he personal banker mentioned it  may  need around one week to process it but I still has n't received anything and even the personal banker did not respond to my email.  <P/> I am really angry on it.  Citi  is playing games with customers.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX, however Equifax has not removed this from my credit report. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2016.
Complaint sub-issue: Their investigation did not fix an error on your report

I have many unauthorized inquiries on my equitably credit report which I submitted a dispute. Equifax did not investigate they only notified me about a week later that these items where authorize in which they were not.
Complaint sub-issue: Public record information inaccurate

I field a dispute with all  XXXX  major credit bureaus about removing  a Public Record in  which shows inaccurate data. EQUIFAX reported the information has been updated however  XXXX  and  XXXX  has removed the public record.     I 've made a good faith attempt to resolve with no luck hence I am pursuing a formal complaint.      XXXX   XXXX   XXXX .
Complaint sub-issue: Problem during payment process

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DISCOVER FINANCIAL SERVICES XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off DISCOVERBANK XXXX Date opened XX/XX/2014 Balance {$1900.00} // Charge Off
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX, I placed an order to redeem my Citi Thankyou points for cash rewards. I redeemed {$1000.00} total. The Order ID for Citi is XXXX ( {$1000.00} ) and XXXX ( {$50.00} ). On XX/XX/XXXX, I received email from Citi that the reward has been shipped via USPS. However, it has been 9 days and there has been no information regarding its whereabouts. There is no tracking, no updates, nothing. USPS should have delivered the package well within 9 days. I tried calling Citi in its posted customer service number for Thank you points - XXXX XXXX XXXX XXXX. However, despite calling multiple times during business hours, the automated system says that they are closed and hung up the calls. I am very frustrated I need this money desperately during these hard times and there is absolutely no response from Citi. I fear that someone may have already intercepted the mail and cashed the checks and there is nothing Citi is doing to help.
Complaint sub-issue: Debt was paid

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2018 XXXX, NA, XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Complaint sub-issue: Account status incorrect

I have been trying for months to dispute a lot of the information that the company still has on my credit report. When I try to login it shows me a error message of the page not being found and then Im directed to purchase a membership that I do not want. I have called several times to correct this issue because all of my evidence is located within my phone. The issues is still not remedied. I recently disputed the same issues through XXXX and the items on my report went from 22 to just 9.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter, dated XXXX XX/XX/2021, to a XXXXyear old address that is no longer on my Equifax credit profile. THIS ADDRESS IS NOT BEING REPORTED AS CURRENT BY ANY CREDITOR. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. Equifax refuses to cease sending my personal credit file to wrong addresses, subjecting me to identity theft.
Complaint sub-issue: Threatened to sue you for very old debt

Date : Thursday XX/XX/2022 Time : XXXX EST Duration : XXXX Minutes Company : XXXX. Data Number Called : XXXX Details : My phone call started with an IQ Data representative -- can't recall her name, but she was very nice and professional. She presented XXXX payment options : the first was to pay in full ( {$5800.00} ), and then they would remove the account from reporting ; the second was to pay 80 % of the debt ( {$4600.00} ) and it would show as a paid settlement. I informed her that neither of these worked for me right now due to my current financial, unfortunately, so I would just have to ride it out and see if my financial flexibility improved. She said she understood and suggested that I speak to her manager, as they might be able to present a better option. I was then connected to XXXX XXXX, who was quite rude and very aggressive. Once again, he presented the same two options : pay in full, or pay 80 %. The option I presented to them, paying about 40 % of the debt, did not work for them, so I said I understood that 'they had to do what they had to do ' -- meaning they had to stick with their offer and not accept a reduced offer. However, Mr. XXXX replied quite rudely and asked me 'do you really want me to do what I have to do? This will get ugly and cost you a lot more money when we take you to court or put a lien against your income. You just provided updated information to us about your address, income, etc ... .so now we have all the information we need to 'do what we have to do '. I told him I had about $ XXXX that I could pay today to resolve the account. He asked 'Where 'd you get that money? If you saved up that money once, I don't see why you can't save up the rest '. I flat out told him he was being rude and making grand assumptions about my financial standing. Seeing that we could not come to a resolution, we ended the call shortly after that.
Complaint sub-issue: Problem with fees

XX/XX/XXXX a person from Sears called me and offer me XXXX XXXX he told me that it was going to be monthly payments, I asked to email/mail me documents saying what he was offering. At XXXX I saw charges in my Sears XXXX for XXXX and XXXX, so I called them and ask again for the documents showing what services I was getting, I called them several times and they ended up giving a phone number for the dept. in charge of Home Services ( XXXX XXXX XXXX with Location at Florida ) which I find out just yesterday, I request these people the documents regarding the home services and again I did not received till the end of XXXX, which was showing that I was in a contract for 1 year. On XXXX I request home services for my appliances/they say they can inspect/do maintenance up to XXXX for the same fee that I was paying {$75.00}, which I paid on XX/XX/XXXX, they send a XXXX  from XXXX XXXX who did not XXXXXXXX XXXX XXXX XXXXnce I was doing XXXX he said it looks like is working Ok, even when I told him that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he did not care and left me a copy of his receipt. I hired a technician to inspect my washer and he told me that it will be better to buy a new one, which I did on XX/XX/XXXX from Home Depot. See attached documents. 
I want XXXX XXXX XXXX to refund me the money that I paid buying a new washer machine {$940.00} BECAUSE THEY FAIL TO DO THEIR JOB AND REPAIR MY WASHER WHILE IT WAS UNDER THEIR CONTRACT. If they want to replace it for a new one they can do it too, since I hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Their technician failed to do his job, failing to repair and making buy a new one. 
Thank you,
Complaint sub-issue: Deposits and withdrawals

I opened a new relationship with Citi Bank during a promotional period in which I was promised {$1500.00} if I maintained a $ XXXX balance for 60 days. During that 60 day period, I scheduled a future mtg payment ( also w/ Citi ) for XXXX on XX/XX/XXXX. Although the payment was scheduled for XXXX, it was debited on XX/XX/XXXX w/o my authorization. As a result, my balance dropped below $ XXXX for a short period of time and I lost the {$1500.00}.

I believe the early/uauthorized debit of my account by Citi was an unfair practice under UDAAP for the following reasons : 1 ) It caused harm ( lost {$1500.00} ) 2 ) The harm was not reasonably avoidable. I reviewed the payment confirmation page again and it does not disclose the fact that the payment will be debited immediately when scheduling a future payment. 3 ) The harm is not outweighed by countervailing benefits for the consumer.
Also, worth noting that I did contact Citi immediately when the payment was debited to inform them of the error and to cancel the payment. Unfortunately, Citi was not able to reverse the payment.
Complaint sub-issue: Their investigation did not fix an error on your report

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Complaint sub-issue: Debt is not yours

I filed a challenge to a fraudulent collections on my credit report with the three credit bureaus and only one took it off-XXXX XXXX. XXXX  and XXXX have not and will not explain why and has refused to send me their decision and why via mail. XXXX XXXX XXXX ( XXXX ), who has had a plethora of complaints for falsely accusing people of having a collections with them and destroying their credit, claims I had a contract with XXXX XXXX and owe them over {$2600.00}. This is not true. I had a prepaid account with them years after this supposed account was opened. Even if this was true it would have been a breach of contract because I know XXXX 's policies and nowhere does it say they can sell you information to a third party and that is exactly what XXXX is claiming happened. On top of this XXXX   allowed XXXX to change information on my credit report without my knowledge or consent. 

I have already complained about both of these things with this company and it was closed without my consent claiming I said I no longer had a dispute. I requested to have it reopened and I was told it was, but have not received any response nor can I find it. This is my second attempt at resolving this issue.
Complaint sub-issue: Reporting company used your report improperly

these accounts have all been removed from my XXXX credit reporting account I would like XXXX, and Equifax to do the same for the following accounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX AccountXXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

XXXX5 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, XXXX, or harass any person at the called number.
Complaint sub-issue: Investigation took more than 30 days

In XXXX and XXXX XXXX XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Complaint sub-issue: Problem accessing account

We are a small business, who applied for a SBA/PPP Loan last year via Citibank. After much back and forth, we were approved. however the process allowed a lot to be desired. As such, we decided to use a different lender for this years SBA/PPP loan. 

Attempting to fill out forms for the new round of SBA/PPP loan requires for us to submit our SBA Loan Application number.

Contacting our account manager, or branch directory, and at least 5 other people in Citibank and their branch we usually do business at in XXXX, NY. Noone is able to give us the SBA Loan application number, this is just a 10 digit number and is suppose to be available to us. 

They have actively refused to supply this loan number to us, and in a fashion to lock us into citibank only services. 

Multiple calls, and emails have been recorded requesting this information. 
The lastest round of email sent to citibank requesting this information has been ignored as usual. 
XX/XX/2021 XXXX, sent to XXXX, XXXX XX/XX/2021 XXXX sent to XXXX, XXXX, XXXX, XXXX. 
also has gone ignored. 

It is illegal to now give us the SBA Loan application number, and they are actively sabotaging our right to apply for a SBA/PPP loan with a different lender. 

I required your intervention as soon as possible. We literally just require a 10 digit number from them. We went as far to logging into their citibanks own forgiveness website, and we were greeted with a masked number. SBA / etrans number is : XXXX. In essence its been 2 weeks fighting citibank to give us this 10 digit number.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I like to get rid of all inquiries that are listed under XXXX
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity theft, This account does not belong to me see attachment ...
Complaint sub-issue: Account status

This card was lost, so they said they would have to do a cancel on it, and replace it ; and just the last 4 digits on the card would be different. This is not a reportable item. What else can a company do when a credit card is lost? So, should the company not have reported it as closed? This should not reflect in any way as something bad on my credit report. Who does n't lose one of their cards now and then? That has nothing to do with my credit worthiness. Please take this off, as the card was immediately re-issued. Thank you.