Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

Because of CFPB very primitive questionnaire of bank services and because of illegal closing of my previous complaint about Citibank wrong doing by way of " push the envelope '' instead of really providing only announced " A central part of the Caps mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. '' I repeat stating following defects in XXXX XXXX management in my letter to XXXX from Citi Executive Response Unit I received your response to CFPB on my complaint against Citi customer policy from 2018. I reject your statements about " our goal is to provide all of your clients with the highest level of service '', and " we have recently implemented enhancements to Citibank Online to aid our clients in conducting their online banking '' as fraudulent and humiliate. I request to return all forms of clients Citi service to any which were provided before your enhancements. 
As I stated to CFPB and Federal Reserve Consumer Help office : Current service defects are expressed in 1 ) forbidding to customer to connect with Bank in documented email message form ( such form existed till 2018 ) and insisting only on connection with irresponsible forms of chat and phone ; 2 ) bad imagination of new " enhanced '' customer account image with using signs instead of understandable words and many other defects ; 3 ) permanent different transactions information in customers account at home and in bank office of same customer account on same day and time ; 4 ) taking part in usual and factual criminal seller/bank practice of refund delaying for many days. For example, refund of {$38.00} was delayed by Target for 20 days without any help from bank to reduce and stop such action which is usual criminal policy of seller and banks together.

Generally speaking : Citi provides new fraudulently " enhanced '' service policy with goal to restrict customers civil rights on getting whole financial information. Please, compel Citi to exclude in its dealing with customer all defects mentioned above.

This message directed to Citi leaders. 
In consideration of this complaint I request to stop CFPB usual manner of " pushing the envelopes '' and to execute the enforcement and regulation requirements of 12USC Chapter 1,2,3,21,36,41,48, 12CFR Chapter X Part 1011.4, 1074,1080 and other known to CFPB financial laws and rules with goal to compel Citi to reject all mentioned above defects of mass violation bank customers financial rights without any attempt to close such complaint without strong investigation, regulation and fixing wrong Citi service policy as requested by CFPB laws and rules.

Because of CFPB additional questions about amount of customer, their names, address and so on, I stated the camplaint is conserning me and all others customers in Citi.
Complaint sub-issue: Information belongs to someone else

Hello i am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
Complaint sub-issue: Investigation took more than 30 days

I want to contact someone at your company to let you know that I mailed a letter to XX/XX/XXXX, XX/XX/XXXX, Equifax, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX servicing 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

I was a victim of ID Theft and someone made several attempts to acquire credit in my name. I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Complaint sub-issue: Debt is not yours

In XXXX I visited XXXX XXXX XXXX in XXXX XXXX, GA. I was XXXX at the time and now I am XXXX, my mom signed a form with them that she was liable and was consenting for the treatment since I was a minor. I have contacted XXXX XXXX XXXX and they have confirmed with me that since I was a minor the debt will be dropped. On XX/XX/XXXX I.C. System INC opened a collection account for the bill from XXXX and did not notify me. On XXXX XXXX I found about about this account when they filed on my credit report, the amount is {$650.00}. I have called them and they have told me it does not matter that I was a minor i still have to pay the bill or they will garnish my wages and take me to court and needed my Mothers name so they can take her to court also and now refuse to speak to me when I call. I am confused as why I am just now learning about a debt from XXXX especially when i was a minor and now its XXXX. According to XXXX XXXX XXXX the bill should have been dropped when I was XXXX or assigned to my mother but I am not legally reliable for it. I live in Georgia.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on my credit after it was sold a transferred to a new entity. Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Complaint sub-issue: Problem with statement of dispute

I have submitted several disputes with Equifax asking for validation ( copy of original document with my signature on it ) of collection accounts reporting on my credit report. The XXXX accounts reporting are from XXXX and they have not submitted adequate validation, they just sent me what appears to be a screen shot of a bill that does not belong to me in both cases. Equifax has just said that the accounts were verified without telling me how they were verified and have failed to show me any proof of validation ( copy of original document with my signature on it ) after I have asked on several occasions.
Complaint sub-issue: Public record

Honestly I do n't remember when I did the dispute directly with the XXXX XXXX and Equifax. XXXX XXXX has since deleted the balance owed of ( {$19000.00} ) because of an Offer in Compromise to the IRS and a balance of ( {$2400.00} ) which I paid in full by check to XXXX. 

But sent same information to Equifax I did tell them that I had an Offer in Compromise that was accepted by the IRS, etc, but they still show open balances. 

XXXX stil shows open balances. 

Thanks for your time and attention. 

XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a dispute over 30 days ago and also sent a letter to citi bank for reporting a late payment for an account that was in forbearance due to covid 19 they sent me a letter saying they can't find my account yet reporting negative information and have caused me serious damages
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX has violated my federally protected right to privacy and confidentiality under 15 USC 1681 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. 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 XXXX years.
Complaint sub-issue: Information belongs to someone else

Dear Neltnet, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. No documents we 're sent over to the address I have on file for the creditor. The creditor nor any credit bureaus attempted to contact me during this incident until I sent over police report documents, certified letters, etc.
Complaint sub-issue: Account terms

Equifax is reporting the same Child support account twice on my credit report XXXX and refuse to remove one of them. You can not duplicate the same account twice on a credit report. Making it appear as if you have more accounts then you really do, giving the lender the impression that you have more debt. I spoke to the supervisor from Equifax and that they are XXXX different account when clearly it is the same account. Same account number, same schedule payments. I only have XXXX child support case anyway so it is impossible for me to have XXXX accounts anyway. I ask the supervisor to remove it right away because it is a violation to my credit report, because they are reporting the same account twice. They said the most they can do is a 30 to 45 day investigation for an account that is clearly duplicated. XXXX problems I have with that, XXXX is there should not have to be a investigation for and clear error and XXXX Equifax also pull your credit score down up tp XXXX-XXXX points during the investigation until the investigation is finish making very unfair to the customer to look for funding during this time. Just because the account is reported on different days do not mean it is a different account. If the account has the same account number it is the same account. I want Equifax to remove the clearly died account that say XXXX balance off my credit report because that account is clearly not reporting anything. It just sitting there making it appear as if I have more then XXXX child support case and I do n't. Your credit report is very serious, Credit Reporting agency is quickly delete any duplication accounts and clear errors right away. This can hurt the customer and the error has nothing to do with them. If these was XXXX different account I would understand the investigation and the rules of 30 days. I will attach the document that shows the XXXX same accounts. I understand accidents can happen. But when it is clearly a accident remove it right away or they should get a fine. That is the only way these companies will take the customer serious.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to 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.
Complaint sub-issue: Not given enough info to verify debt

In XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed XXXX asking for proof of it being my debt ... no answer. I gave permission for XXXX to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX
Complaint sub-issue: Banking errors

Hello. 

I have XXXX XXXX. I also on XXXX XXXX XXXX opened a Monifi ( online checking account by midfirst bank ) On XX/XX/XXXX thru my monifi app I transferred XXXX from my XXXX XXXX to my Monifi. Before I got my monifi debit card in the mail Monifi suddenly closed my account " business reasons '' is all they would tell me. ( officially closed XXXX.They still to this day refuse to give me my money back. They say XXXX XXXX has to ask them for the money back. Finally I got thru to somebody in the claims dept who took the time ( 2 hours on the phone w her ) she researched the bank asked me questions to figure it out, very thorough. This was not a fraud claim, i know it and so does XXXX XXXX, that was the department i had to go through they said. So she filed a claim to get it back. XXXX XXXX then put XXXX back into my account along with sending me a letter stating I was in the right and case closed. Now months later on XX/XX/XXXX XXXX XXXX takes XXXX out of my account leaving me overdrawn XXXX. First excuse was that i had account before i opened this one and i was negative XXXX so they took it. A lie. Second excuse is that whoever did my claim did it wrong. Now they say that because it wasnt a fraud claim they decided to take it back. They knew from the beginning it wasnt a fraud claim. 
All I needed them to do was to pick up the phone call Monifi and give the ok for them to give me my money back. They responded like i was asking them to call me a taxi to tKe me to the XXXX house in outer space so I could walk my dog XXXX!! I am well aware that the law states when a bank closes your account for any reason they have to give you your money back. I dont owe monifi anything. Still they refuse. Along with telling me XXXX XXXX never filed a claim for anything. Now any deposits coming in or auto pay bills they are taking and not paying. This was all the money i have in the world. They are steLing from me, both banks, i feel like because who am I? What am I gon na do. I hope this makes sense Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Intellicorp ran a background check for the XXXX to renew my credentials. On the report an address was listed as belonging to my history and it is incorrect. I never lived there or used that address. 

Address in question is : XXXX XXXX XXXX, XXXX, FL XXXX Please have this removed from my history. Thank you.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I signed up for a Citibank card at Best Buy with an 18 month promotional balance ( XX/XX/XXXX ), though it is a card that can be used anywhere. I was informed that cash rewards would be credited to the account. I never received any rewards. I paid off the promotional balance ( as of XX/XX/XXXX ) and began using the credit card ( as advised in order to receive rewards ). After the 18 month promotional balance, I was charged interest as though the promotional balance had not been paid off. I contacted the company on 3 separate occasions, first to understand why I was charged such an outrageous amount of interest, then to prove to the company that I had paid the promotional balance, and lastly, to inquire about closing/freezing the account. Customer service was incredibly rude and offered no options for correcting this. They informed me that they could not see prior to the past 6 months, but then told me that the promotional balance was never paid ( seems difficult to see if they can only see the last 6 months ). I am now waiting 8-10 business days to receive all statements ( paper ) since the account was open to present back to the representative.
Complaint sub-issue: Trouble with how payments are handled

I am writing because of a situation I have tried to rectify for over 5 years now with absolutely no help by FedLoan and its arbitrary, irrational policies. I am a teacher in Oklahoma and get paid once a month on the XXXX of each month. I can not change that fact ever- it is the way my school district- XXXX XXXX Schools in XXXX County , Oklahoma does it. Several times since I have, through every means, tried to get my payment due date scheduled on or after the XXXX to ensure I incurred no additional fees. I have been told by CSR 's and their Supervisors that the date can not be changed given my plan- what plans can change and why ca n't I. I was never told this at any time when signing up or re-certifying for my plan- Income Driven Repayment. The website says clearly if I 'm having trouble to ask through email and they will change the due date- just not for the poorest of us loan-holders! I asked verbally during the process and again later in at least 6 different emails sent through the FedLoan portal for a change to this due date from the standard XXXX to the XXXX or later. I sent an email in XXXX and 2 more in the last week asking for a change. I have already paid over {$200.00} in fees resulting directly from the timing of these payments. I signed up for Direct Deposit hoping it would allow me to change this date but to no avail. They would n't cancel that for me either when I asked saying 3 business days are needed ( Fri, Mon, Tue ) so I 'll be out hundreds again this month due to this due date! I can not understand why 1. It is such a difficulty to change the date for me and 2. why people who are at highest risk of default are being forced to adhere to a due date which incurs regular financial harm? They always say I had to change it when re-certifying and I asked them to and they said I must make a payment 1st then I could- not this new excuse. I have been lied to throughout this process and simply do not understand why I am being forced into an even worse financial situation each month by a simple due date that ANYONE should be able to change at their will!
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX VA XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Public record information inaccurate

THE DISMISSED ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY REPORT. PLEASE SEE ATTACHED FORMS AND RE-INVESTIGATE THIS MATTER.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you 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. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Their investigation did not fix an error on your report

Since XXXX of 2020, I have been disputing a XXXX account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : Equifax, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, I have not received any response from XXXX regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. 

ALL of this is currently incorrect : -Account type missing on Equifax -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on Equifax -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?
Complaint sub-issue: Reporting company used your report improperly

I reviewed my credit report and found three inquires from XXXX XXXX. The dates of the inquiries were XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not authorize these inquiries. I reached out to XXXX XXXX directly and they agreed to remove the inquires from my credit report but the credit reporting agencies have not removed them. I have attached the letter to this complaint that I received through the CFPB from XXXX XXXX regarding these inquiries.
Complaint sub-issue: Debt is not mine

XXXX is sending me to collection for an account that was closed before I XXXX to XXXX. I did took my orders to the store and they told me that my account was closed ; however, they never did and now they are sending me to collections for an error that they committed.
Complaint sub-issue: Information belongs to someone else

i did a complaint a few months ago for XXXX XXXX XXXX XXXX XXXX XXXX it was deleted from my credit report because of identity theft and it is illegal for credit bureau to put back negative items back on my credit report once it has been deemed unverified or inaccurate. they put it back on all 3 credit bureaus and dropped my scores. they changed the amount to XXXX i have another account thats not mine XXXX XXXX XXXX i have called thses guys i gave them police report they dont have no info on me someone used another email and address to get the phone so i never got a letter from this conllection agency i told them its not my debt i had my wallet stolen in a basket ball pick up game years ago they wont delete the account thats not mine