Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

Citibank called me and told me I owed a late fee in XXXX because my payment on my sears improvement card went up.. so I paid it..I was told this would bring my account current.. NOW I get a call today saying my account is past due again and I owe them {$26.00} and once paid they would reverse the late fee of {$35.00} so I paid it over the phone again.. then I was told that NO that's not true by a supervisor, that they credit my balance,, but the payment was still short so I would continue to accrue late fees!!!? So the rep LIED when they said the extra payments I made were bringing the account current, they lied just to get me to pay something over the phone to help their goal for the day and would lie, cheat and steal, to do anything to get a XXXX senior on a limited income, to give them money! NOW I am told that the money I gave today will STILL not bring my account current.. again! they did this to my sister on a card she had with them and she got so disgusted, she stopped paying it. the Citibank XXXX  XXXX page if filled with similar complaints.. if you add up all their fraudulent fees they have charge people, I think you will find overwhelming evidence to fine them into a class action law suit.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, Ca XXXX ; XXXX XXXX XXXX XXXX XXXX, Ca XXXX ; XXXX XXXX XXXX : {$170.00} ; XXXX  XXXX XXXX : {$55.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$120.00} ; XXXX XXXX  XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Trouble with how payments are being handled

I just reached out to XXXX regarding two issues and i could tell the representative didnt have the answers to my questions. First off, I wanted to know why my payment amount for his month says {$350.00} something and that the amount being auto-debited is quoted for {$380.00}!? I was told my IBR expired last year and thats why, which I was aware but why am I still being quoted for {$350.00} n paying {$380.00}?! Second I asked how many payments Ive made and according to the records, Ive made 38 payments but have been in active repayment since 2013. I asked how that is possible since Ive been making payments for years now?! Her answer was honestly, thats just what we have to go off of. So Ive been making payments for years now and the records show that Ive made less than 2 years worth of payments. Thats just flat out wrong!
Complaint sub-issue: Information belongs to someone else

On the second of XXXX I had my wallet stolen, which contained my social security card, drivers license, and insurance card. I had to replace everything and when I check my credit report I see 2 accounts that were closed that I had never opened. XXXX and MoneyLion, these were apps where you can get a loan simply inputting personal information. I checked the accounts and they were severely delinquent. This severely impacted my credit which is just completely unfair. My information was used by someone else to obtain money from the loans which were never payed back. When disputing the errors on my credit report in experian the fraudulent accounts were not taken off.
Complaint sub-issue: Debt resulted from identity theft

Dear CFPB, I, XXXX, want to report that XXXX and Grant & Weber ( ENTITIES ) have violated my consumer protection rights and have acquired my personal, private and social security information without my authorization. I have never received any services or products from these entities. I have made NO agreements or contracts with these ENTITIES. 

These ENTITIES have created these XXXX accounts # 's XXXX, XXXX, XXXX, and XXXX without my authorization. Moreover, these ENTITIES have stolen my IDENTITY to create these accounts. 

We order my credit report on XX/XX/XXXX as my husband and I would like to buy a house. It was then that I found out that Grant & Weber and XXXX were reporting these collection accounts. See Exhibit A. 

On XX/XX/XXXX I disputed those collection accounts under FDCPA 1692g and FCRA for impermissible credit pull, as I did not know who these ENTITIES were and demanded for Grant Weber to validate the collection accounts. Please see attached the Certified Notice of Dispute Letters I sent to Grant Weber. See Exhibit B. 

On XX/XX/XXXX I received response letter from Grant Weber referencing accounts to services rendered by XXXX Hospital. See Exhibit C. 

On XX/XX/XXXX, I outreached to XXXX Hospital and spoke to XXXX at XXXX. She instructed me to Faxed Authorization and Request for All Billing Documents to fax XXXX. See Exhibit D. 

Two weeks passed and XXXX Hospital did not provide All the Billing documentations requested to prove any business relationship between XXXX Hospital and XXXX and or Grant & Weber. 
Therefore, On XX/XX/XXXX, I personally along with my Uncle and Aunt, XXXX and XXXX, went to XXXX Hospital Billing Department and spoke to XXXX directly. 

I asked XXXX what of my personal information and or documents XXXX Hospital provided to XXXX and Grant & Weber. 
We were shocked to hear from XXXX that XXXX Hospital has NEVER had any business relationship with XXXX. In addition, XXXX said that there was NOTHING XXXX Hospital could provide in writing to prove and validate any business relationship between XXXX Hospital and XXXX and Grant & Weber. 

As you can see, these ENTITIES have committed a crime by stealing my IDENTITY. If XXXX Hospital does not have a business relationship with XXXX and could NOT provide any documentation to validate any business relationship with Grant & Weber, how did these ENTITIES, get my personal information including my social security. 

Furthermore, how can these ENTITIES report these collection accounts on my credit report when the service provider, XXXX Hospital, has no business relationship and could not provide any documentation of such a relationship, if any, with these ENTITIES. 

These is Outright fraudulent collecting and outright fraudulent reporting from Grant & Weber, and in major violations to my consumer protection rights under FDCPA, FCRA and FTC. 

Therefore, I 'm demanding that these unlawful and deceitful collection accounts be removed permanently removed and deleted from all XXXX credit reporting agencies XXXX, XXXX and XXXX immediately. 


Respectfully, XXXX
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

XX/XX/XXXX I was notified by CitiBank that they were lowering my credit limit. This action was taken over two weeks after I had significantly lowered my balance, which had been carried high due to pandemic related impacts and uncertainty. This had the effect of not only eliminating the credit limit space I had opened up with an eye towards improving my utilization score, they cut my limit under the amount of currently approved spending, immediately placing my account over the limit and beginning negative reporting to the three credit bureaus. I attempted over three weeks to contact them and request a delay to their action until the credit bureaus caught up with the payments that had been made in mid XXXX, and at a minimum to stop reporting an over limit negative condition until the review had been completed. The company refused to make any gesture to stopping the credit reputational damage they had caused, and would not agree to revisit or reconsider their decision any sooner than within 60 days. Based on their refusal to consider that acting on a credit report they KNEW, based on the substantial payment they had received the month prior, to have significant inaccuracies, I have chosen to wind down and end my relationship to prevent future bad acts.
Complaint sub-issue: Company closed your account

On XXXX the XXXX I receive and email from 'Discover Card telling me that I have no more credit card with them! I have always pay on time! And have not miss and payment! 

I call on XXXX the XXXX and talk to Manager XXXX XXXX and she didn't care about if I was good customer with them! I feel I was treated very badly! To come and just take my card from me! Is so wrong!
Complaint sub-issue: Information belongs to someone else

I have made several attempts to dispute fraudulent items with Equifax Credit Reporting agency. The fraudulent accounts and erroneous accounts and inquiries are being disputed for reason of Identity Theft under ( FCRA Section 605b ), yet to no avail. As a victim of a security breach and identity theft I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter. I am requesting that these fraudulent items be removed from my credit file immediately
Complaint sub-issue: Account information incorrect

I, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

My requests for proper verification and the removal of the fraudulent information on my credit reports have been disregarded despite the numerous written letters I have sent to the three credit bureaus. I last wrote to the credit bureaus XXXX, Equifax, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a result of identity theft. I approached the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. I am frustrated to see the credit bureaus do nothing to remove the information I am disputing from my credit file. Although I am inclined to pursue legal action, I will give the credit bureaus XXXX more chance to make things right and correct my credit report. I need the following items deleted completely from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX
Complaint sub-issue: Account status incorrect

Back in XXXX I signed a loan modification agreement with XXXX  XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to XXXX. XXXX did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and XXXX reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement. 

I have provided this documentation to XXXX ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.
Complaint sub-issue: Information belongs to someone else

XXXX/EQUIFAX reports inaccurate and false information here are the following : XXXX XXXX XXXX XXXX ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX XXXX XXXX  XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} US DOE ACCOUNT # XXXX
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, requesting you to remove fraudulent accounts and information was well as the unaithorized inquiries that are UNKNOWN to me. I came across the Federal law and according to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included these fraudulent accounts and information in my previous Complaints & I am including it again. Please once more, I request of you to please remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX  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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, please send me any documents you found along the wat if your investigation for me to verify my self about these disputed items. If you find no documents claiming that the items have been verified, immediate removal of the disputed items will be greatly appreciated.
Complaint sub-issue: Account status incorrect

There are several accounts on my consumer report in which are unfair and inequitable to me the consumer. I never gave Equifax my written consent to furnish any information on my consumer report on my behalf. The banking system is dependent upon my credit report being fair and accurate. These accounts are inaccurate, and unfair to me as the consumer. Please see the attached letter and report for the accounts.
Complaint sub-issue: Account status incorrect

We took advantage of XXXX XXXX XXXX  XXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called Equifax to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My Citibank XXXX was charged {$50.00} onXX/XX/XXXX. I disputed the charge and a temporary credit was posted to my account. Citibank " investigated '' and claimed their investigation indicated that the charge was legitimate. The {$50.00} was reposted, as a charge, to my account. 

I called in lateXX/XX/XXXX and spoke with XXXX who told me that it was a XXXX charge and he provided name, address, transaction number, etc for the charge [ details are provided in attachments ]. I never made such a XXXX transaction and had no knowledge of the person identified. I sent [ via USPS ] Citibank a copy of my XXXX account fromXX/XX/XXXX to XX/XX/XXXX, listing every transaction ( there were only three in a two year period and NONE inXX/XX/XXXX! ) and none anything close to the amount or the date of the disputed charge in XX/XX/XXXX. I have called Citibank four times requesting that the {$50.00} charge be removed from my account and posted as a credit. I have three letters [ datedXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ] stating different departments have responsibility -- basically I simply get bounced around from " dispute department '' to the " lost/stolen card department '' to the " fraud department '', with promises of a callback. I have been waiting for a callback for 2 weeks -- just from my most recent inquiry. 

Are credit card companies not required by law to post a credit for disputed/fraudulent charges while the issue is being investigated? 

[ All this during the same time that Citibank had an internal security breach and had to issue all credit holders new cards with new numbers! ]
Complaint sub-issue: Debt was paid

Due to Covid 19 federal student loan interest has been suspended and loans are in forbearance. AES holds federal loans but is not doing either of the above measures. AES fails to comply with the CARES act.
Complaint sub-issue: Deposits and withdrawals

I made a check deposit for USD {$75000.00} on my checking account at PNC Bank on XX/XX/2022 as I can see since I am the same issuer of the check from another financial institution XXXX XXXX XXXX the funds were clear the same day XX/XX/2022 and as of today PNC Bank is saying that they need to verify the funds with XXXX XXXXXXXX XXXX, It is incredible that I have to call PNC to request them the status of my funds while they play with my money and they provide excuses. 

To further add they over draft the account and they are charging me fees and the amount that is being retained USD {$74000.00} they are unable to advise where the USD {$330.00} funds are plus ... the funds that I had in my account. 

It is incredible that a Bank of this size abuses with clients, if they can not allow clients to deposit funds of this amount they should be getting in contact with their clients and not their clients with them!
Complaint sub-issue: Old information reappears or never goes away

This account is over 7 years and can not even be verified. I have disputed with no action taken by the credit agencies. Please help
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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
Complaint sub-issue: Didn't receive enough information to verify debt

I just received a response from Bank of the West regarding my previous dispute their response to me was they returned the debt back to the bank and i am to contact them to work out a payment resolution thru the pandemic relief act, however after the response the collection account was removed from my account and Bank of The West reported the same credit card twice on my XXXX XXXX with the original opened and closed date and then again with the closed date and the dollar amount is off by a few dollars so they are now violating the Fair Credit Reporting Act by reporting the same debt twice,
Complaint sub-issue: Debt was paid

I used auto pay for my Macy 's account. I program my payment for the minimum payment so I wouldn't forget my payment each month. My minimum payment to Macy 's is {$28.00} but for some reason they were taking {$56.00} out that's double the amount. This happened from XXXX to XXXX of this year. I received a phone call from an agent XXXX XXXX saying I missed my payment. When I noticed that Macy 's was taking over the amount I went in and changed my payment to the {$28.00} a month recurring payment. I never miss my Macy 's payment.
Complaint sub-issue: Information belongs to someone else

Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to
promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be verified or deleted immediately. Below I have marked the multiple inaccuracies that are being reported on my credit profiles.
Complaint sub-issue: Debt was result of identity theft

I have contacted XXXX XXXX and they are unable to locate my file however ; they are reporting to the CRA 's. I believe that this account is the result of identity theft. I also believe that they are trying to request my current identification in order to use my current information to continue to validate their claims. I have filled a dispute 3 times and they are asserting that I need to provide authentication documents however ; they are not able to provide any information related to this debt.