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

-Applied for the Double Cash Rewards credit card from Citibank on XX/XX/XXXX.

-I had my credit frozen so I had to speak with a Citibank representative after unfreezing my XX/XX/XXXX credit report.

-I received my card on XX/XX/XXXX. I quickly activated my card via the Citibank website and verified my identity using a text message code sent to my mobile phone. 
-I tried to activate my card for XXXX that same day, but I was asked by Citibank ( through XXXX XX/XX/XXXX ) to call for verification. I did not call that night due to how late it was. 
-I called today, XX/XX/XXXX and spoke with a representative who after taking several identifying bits of information, told me that unless I had a landline they could use to confirm my identity they would have to send a letter to my address to verify who I was. The representative assured me that this would only be for XXXX XXXX. After speaking with the representative, I checked my Citibank mobile app and was greeted with a message that directed me to contact Citibank Customer Support ( after just hanging up with them ). I called back and spoke with a different representative ( who asked me the same identifying questions ) and he told me that message was solely meant for XXXX XXXX and that I would be able to use my card normally for in-person and online purchases. 
-I tried to use my card at a restaurant twice and both transactions were declined. Upon calling Citibank customer support back, I was informed that ALL card transactions would be blocked until I verified my account via the verification letter. Even though I had only had my account less than two weeks and activated the card through all necessary steps I was still somehow flagged for this archaic security process. I wanted to share my experience so that others would know what to expect from Citibank.
Complaint sub-issue: Debt is not mine

In XX/XX/XXXX I signed a six month agreement with XXXX. I signed the lease over from another person. The apartment complex agreed that I would live in the property from XXXX XXXX until XXXX XXXX. In XX/XX/XXXX when I went to turn in my keys management told me that I owed rent up until XXXX XXXX. They said that they would not try to find anyone else. Even if I found someone else they wanted me to still pay the next six months, which is illegal. They told me that If I did n't pay the next six months rent right then, they would turn it over to collections. I set up a meeting with management to try and discuss some alternatives. They kept giving me the run around and ignoring my calls and emails. A few weeks later I received a collection notice from Pro Collect for over {$3000.00} dollars which included huge fees for cleaning a tub and lost keys ( which I turned in ) and unpaid rent. I was only obligated to stay in the property for six months, and regardless it 's illegal for a landlord to not mitigate their damages. They sent my account over to collections for six months accelerated rent three weeks after I moved out of the property. This is illegal! They ignored all my calls and attempts to work something out, they told me to pay up the next six months rent or they would send it to collections right away. They intentionally ruined my credit without making any attempts to mitigate their damages which the law requires. When I contacted Pro Collect through a written letter, and called showing evidence of this unfair charge they told me to sue XXXX. They admitted that I was right about the landlord 's duty to mitigate their damages, however if I wanted this off my credit I would have to sue the apartment complex, and that would cost me more than paying the {$3000.00} that they were attempting to collect. They also advised me that disputing this charge would hurt my credit. I later called back to try and get more explanation on how it was legally to try and collect when they broke the law, the lady said she was n't there to argue with me and proceeded to end the phone call. They refuse to remove this from my credit, even though legally the apartment complex broke the law.
Complaint sub-issue: Account information incorrect

I XXXX XXXX XXXX sent in a dispute ( dispute # XXXX ) with equifax stating that North Carolina XXXX XXXX XXXX XXXX where reporting false information about my payment history. The last date that was paid to NC XXXX XXXX XXXX XXXX was on XX/XX/2016 and there hasnt been anyother payment with them since then. They Charged the account off in XXXX of XXXX I looked in my credit report and it states that i maid a payment in XXXX XXXX thats why i disputed with equifax XXXX On Speaken to XXXX with Equifax he stated that my dispute is closed and the information is correct. I asked XXXX with Equifax how did the company prove that i made a payment, he stated that they just notified them that the information is correct. I asked him did they show any proof of the payment being made. he said no. i asked him wh would you all just take the word from the company without proof. He stated that thats how they do. My complaint against equifax is that why put in a dispute if your only going to take one side without proof and its not fair. this account has been removed from my credit report from the other 2 credit reporting agencies because NC XXXX XXXX XXXX XXXX is Falsely reporeingbin accurate information.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX apartments in XXXX XXXX, GA. I have contacted XXXX XXXX  and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.
Complaint sub-issue: Account status incorrect

I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
Complaint sub-issue: Account status incorrect

USCB America is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt, I called and paid it immediately. I was very confused about this debt because I had no idea it even existed. I never received any calls, notices, or letters about this debt which violates my 30 day right to dispute. Not only did they fail to notify me for one of the debts but TWO. How does this happen? After paying and giving them some time to update I check my credit again to find that the debt is still being reported. This is ridiculous!!! I don't understand how this company can add these items to my credit without notifying me and continue to report debt when I have paid them. This is erroneous and ridiculous. I need this removed from my credit file IMMEDIATLY.
Complaint sub-issue: Fees charged for closing account

For more than 1 year, I tried to close this US Bank Checking Account because they convinced me to open a 2nd account when I did not need it. When I tried to close the account because there were no branches where I lived, and besides their fees were due to the cost of the new account. When I travelled XXXX on business, 3 different times I went inside the branch inside the XXXX supermarket to close my account, every single time it was a different excuse # 1 the manager has to close the account # 2 I 'm new and I need to wait for the manager to help me close the account # 3 Similar situations not to mentioned the numerous phone calls. So I stop using my primary account because they kept taking money to cover the cost of the account that I never wanted. 
Now, not only did they finally close the account but US bank closed my primary account and with a negative balance plus reported me to the XXXX. I 'm furious! So why did they keep my savings account open???? This is totally ridiculous! I 'm reporting them so other consumers can be aware! and they MUST fix this wrong!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reached out to both XXXX and Equifax regarding these inquiries that were made with no permissible purposes. Both have refused to even address these matters. There is no permissible purposes for these inquiries listed below and should further more be deleted from my file. 
I have repeatedly requested requested, per the fair credit reporting act, that these be deleted. 

Equifax : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX - Fraud inquiry XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 8th
Complaint sub-issue: Company closed your account

I should have gotten my SSI check today XX/XX/2020 but my account was closed on the XXXX of XXXX. There was no letters from the bank saying there was a problem. I called the 1800 number talked to four different people. I was told that a supervisor was calling the main bank and they would get back to me. No did so I called back and was told I needed to work with my back about my funds that was in the account. They closed at XXXXXX/XX/XXXX today. So nothing anyone could do. I talked to my bank twice today. No one could tell me why my account was closed. I was told they sent letters out, but they could not find any they sent out. So I can not pay my rent feed myself or my pets and I cant get my truck fixed tomorrow. Had to get a appointment for that. All I was told was they was sorry.
Complaint sub-issue: Reporting company used your report improperly

There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.
Complaint sub-issue: Information belongs to someone else

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX &  XXXX XXXX XXXXXXXX # 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: Information belongs to someone else

XXXX, Equifax, and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..... 
These accounts don't belong to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received a letter stating that someone tried to get credit at XXXX/XXXX.This was an unauthorized attempt.
Complaint sub-issue: Was not notified of investigation status or results

I SENT IN A DISPUTE REGARDING SOME NEGATIVE ITEMS I FEEL ARE INCORRECT AND SHOULD NOT BE REPORTING AND EQUIFAX DID NOT RESPONS THIS DISPUTE WAS SENT IN ON XX/XX/2018 AND STILL I HAVE RECEIVED NO RESPONSE
Complaint sub-issue: Was not notified of investigation status or results

I reviewed my credit report and found multiple errors. I reached out to the CRA to remedy the issues and they have not responded to me.
Complaint sub-issue: Account information incorrect

My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.
Complaint sub-issue: Account opened as a result of fraud

On XX/XX/2019, three separate PNC checking accounts were opened fraudulently in my name and fraudulent checks were deposited. Those accounts were subsequently closed by PNC bank and PNC bank proceeded to report the fraudulent activity to XXXX XXXX XXXX as fraud on my part and not the act of fraud by deception and/or identity theft from a third-party.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent Equifax and XXXX  countless letters along with identification letting them know that I have eighteen hard inquires that I did not authorize. They refuse to remove these hard inquires. I have sent certified letters starting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, to this day these hard inquires have not been removed. I have called in countless numbers of times, each time being told they can't help me. They are hindering my ability to obtain a business loan.
Complaint sub-issue: Account information incorrect

According to Equifax there is a shopping window when applying for mort

ages. Hwoever, they are showing multiple inquiries and harming my score. Equifax.com/personal/h
elp/credit-scores-inquiries/ : When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or compa

ny requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary de
pending on the credit score model ( the method used to calculate the credit score ) used, but it's typically

from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you. All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will ge
nerally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Old information reappears or never goes away

I have submitted a complaint with you about the incorrect reporting through Discover and XXXX XXXX. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. XXXX XXXX is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law 15 U.S. Code 1681g - Disclosures to consumers
Complaint sub-issue: Problem during payment process

I have a Citi Double Cash Card.  I received my last statement balance on XX/XX/22. On XX/XX/22, I made a change to my AutoPay settings, and received a confirmation of this change via email. I checked the website as well and the new settings were visible. On XX/XX/22, an AutoPay amount was withdrawn inconsistent with the AutoPay settings change. On XX/XX/22, I asked the customer support agent why the amount withdrawn was inconsistent with the settings I have in place. After 45 minutes, the support agent said " it takes XXXX billing cycle to get change effective. '' In my opinion the terms suggest the change is immediate : " I authorize Citibank, N.A., to initiate electronic payments from my chosen bank account, and I authorize my bank to honor the withdrawal. 

This authority is for the amount and dates indicated, and is to remain in effect until cancelled by Citibank, N.A., my payment account financial institution, or me. I can cancel AutoPay by calling customer service or by visiting autopay.citicards.com before XXXX ET on the day of my AutoPay payment. '' Nowhere in the AutoPay website or confirmation email does it suggest the change is only effective on the next billing cycle. I have not found any documentation of this other than the support agent 's word.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019, Equifax received my dispute of account number XXXX, {$510.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Complaint sub-issue: Information belongs to someone else

This is my sixth attempt at trying to get hep with some fraudelent inquries, I have tried talking to someone at equifax over the phone, I have tried sending in letters in the mail, I have tried submited complaint, here it is again. My issue is that I have some fraudelent inquries that I have been trying to get off my credit repoert for THREE MONTHS. I have spoken to multiple people over the phone who says to send in an identity theft report with the fraudelent inquries names and dates, and a copy of my I.D and Social Security card, I have sent in all of those documents multiple times, I with no results. So I will try something new I will upload those documents here in my ftc complaint, so they can not claim they never recieved them.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account specified below continue to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to Equifax credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance {$1000.00}
Complaint sub-issue: Information belongs to someone else

I checked my XXXX credit report through XXXX XXXX and found an " XXXX '' account. I am not a social security recipient ( XXXX or XXXX ) and have never been one. 

I also found a XXXX XXXX XXXX that I did not open or make charges on appearing on the report. 

Finally, I found a " XXXX XXXX XXXX '' account for {$1200.00}. This is not my account and these are not my charges.
Complaint sub-issue: Information belongs to someone else

I have sent in identity theft disputes multiple times in which the bureas have failed to response let alone follow the guidelines outline in FCRA 605 ( B ) that states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. In which they have not complied with I also sent these documents certified so I have proof of receipt. For Example USPS tracking number XXXX. Confirmed ation of receipt was on XX/XX/2020
Complaint sub-issue: Account information incorrect

Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.