Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

Citibank has not refunded me money from my closed checking account where XXXX funds were stolen. I filed a dispute twice about 3 amounts that were taken from my checking account. {$420.00}, {$360.00}, and {$620.00} These thieves hacked my account deposited money and then withdrew it. This type of fraud is covered under regulation E and the bank is supposed to restore money to the customers. Citibank is an XXXX bank and customers ' money is insured. 

Citibank needs to refund my money back from this stolen XXXX fraud. {$1400.00} is what Citibank needs to refund me. Customers can no longer see their accounts and Citibank should send me a copy of my bank statement.
Complaint sub-issue: Reporting company used your report improperly

In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX State of Michigan Child XXXX Account # XXXX, XXXX 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

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, NC XXXX   BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
Complaint sub-issue: Debt is not yours

In XXXX, a storm brought a tree down on my home landline, so I decided to go with XXXX XXXX XXXX for my home phone service. I called to set up the service, but no one came out to connect the landline. The service was never established, but I received a bill in the mail. I called XXXX XXXX XXXX to cancel the service. The representative said that there would be no charge, but every year I receive a collection letter from a different agency attempting to collect money for services that were never established. I have spent several hours on the phone trying to get someone from XXXX XXXX XXXX to address these charges. There is no evidence of phone service at my home, nor any calls or data records for phone service. Every time I dispute the charges, they go to another collection agency. This has been going on for years. Now XXXX XXXX XXXX is telling me that the bill is too old for them to review the details. Account # XXXX. A charge for {$97.00} in now on my credit report. I disputed the charges with IC System and received a letter that stated that it was a legitimate claim, but no one at XXXX XXXX XXXX can provide me with any information regarding these charges.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Debt went to collections in XX/XX/XXXX and they have it as being opened in XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

There is a entry on my credit report from Vance & Hoffman. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.
Complaint sub-issue: Deposits and withdrawals

This is an addendum to my contemporaneous record being recorded here. Currently, I am being blocked from not just logging into my Credit Karma Spend account but now they are saying they are having technical difficulties and it is blocking me from logging in all together via computer. 

I still have not received my forms via mail for disputing charges or my statements. 

XXXX**Keep in mind, that I do have more video evidence that I can send if I am emailed or contacted via ordinary mail, because the system here is funny and not allowing me to upload all the evidence that I have both in video and screen shots.
Complaint sub-issue: Their investigation did not fix an error on your report

This company is n't collecting on the debt so why is your company still have it listed, requesting removal
Complaint sub-issue: Didn't receive notice of right to dispute

I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In  XXXX  I noticed on my credit report that I have a collection account that I never heard off. It was the amount of  XXXX  As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.
Complaint sub-issue: Can't qualify for a loan

I was a XXXX at a XXXX college in XXXX XXXX XXXX named XXXX. I attended XXXX to try and better my education and grow as a professionalI .I called the XXXX ad scheduled an appointment with a rep who I thought was a counselor. Later I found out that these reps get commission for every student they enroll and once we XXXX .which is why they are a predatory school. I advised the rep that I did not finish XXXX and that I wanted to further my career. The rep referred me to a XXXX that was XXXX and a fraud .I completed about XXXX test in XXXX hours and they forwarded my transcripts directly to XXXX stating I now had a XXXX. I then Attended XXXX for 2 long years and XXXX the XXXX program they offer. Once I tried to apply for a job in the XXXX XXXX field such as XXXX, XXXX probation, i was advised that in order to get credit for my XXXX degree and XXXX must be from an XXXX College, which XXXX is not.The degree from XXXX is pretty much useless, no regular college recognizes the credits and no criminal justice job will accept it. So I feel defrauded I wasted 2 years of my life and now I have a big student loan debt.
Complaint sub-issue: Reporting company used your report improperly

I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671 days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.
Complaint sub-issue: Account status incorrect

With an XXXX credit score, I had a Citi Diamond Preferred credit card that I paid in full monthly for 13 years. Today I received an alert from my identity theft company that my account was suddenly closed. I called the number on the back of my card and reached a non-US call center with a supervisor who didnt know why my account was closed - all he could do was re-open my account! A debt settlement has been put on my XXXX  credit report. I DID NOT negotiate payment of debt for less than what is owed. I pay my full balance monthly on all my credit cards. No one at Citigroup can give me the contact information for who closed my account and reported this error to XXXX.
Complaint sub-issue: Old information reappears or never goes away

I don't remember applying or using these guys at all.
Complaint sub-issue: Received bad information about your loan

XX/XX/2019 - Contacted company to see what originally was taken out for my loans and if I could get verification due to the numbers not looking accurate. Customer service rep seemed confused and didn't assist with me pulling up my account. 
XX/XX/2019 - Contacted company inquiring about different payment options available for my loans because the amount they have suggested is not realistic. Company did not assist and just continued to read off of script.
Complaint sub-issue: Was not notified of investigation status or results

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE as described in 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 

1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX 3. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX The entries are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


REMOVE UNAUTHORIZED Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I just discovered today a hard inquiry from over a year ago. Its origin and relationship to me is dubious and since it is not showing on XXXX XXXX, I am wondering if this could be a security breach on the part of Equifax. I am enclosing a copy of the letter I drafted and sent to Equifax.
Complaint sub-issue: Account status incorrect

Fed loan uses online address system. I never changed my address w/fed loan or post office. As a result of fed loans system they mailed my bills from XX/XX/XXXX until XX/XX/XXXX to WRONG address. Their mistake! Late XX/XX/XXXX I had requested a forbearance due to my upcoming XXXX XXXX in XX/XX/XXXX. I never questioned not receiving the bills during that time because I believed I was approved for the payment extension. I have provided the information many times to fed loan and they are refusing to correct the XXXX negative on my credit report. I NEVER authorized or changed my address
Complaint sub-issue: Their investigation did not fix an error on your report

The Home Depot/Cbna has XXXX to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month Home Depot has reported but they fail to reply to anything.. Home Depot simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The Home Depot Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed 4 consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION XXXX.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I request of you to remove the fraudulent accounts and information I found on my Credit File.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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts 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 is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 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: Can't close your account

I opened checking account with citi Bank in XXXX XX/XX/2022 and they offer if you maintain {$50000.00} for two months citi bank will give bonus of {$700.00} after 90 says. And I maintained XXXX $ in account more than 2 months and after that I withdraw XXXX from my account and they froze my account. Now they are not giving me the answer why they are going to close my account. And I need my money for medical purpose but they are not giving my XXXX $ back. Because they froze my account.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the US Bankruptcy Court of XXXX, and it appeared on my credit report. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau, any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX  n cant XXXX to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Reporting company used your report improperly

The following credit inquiries on my Equifax credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX
Complaint sub-issue: Fraudulent loan

Sallie Mae offered loans to an off shore XXXX XXXX school called XXXX XXXX University  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX has their admission office and financial aid office in XXXX Tx. They have partnerships with XXXX University and XXXX XXXX XXXX XXXX XXXXXXXX. This school uses these partnerships to provide calm to worries about accreditation even though they were rejected from XXXX in XXXX XXXX. I was an unfortunate victim of this school as well as XXXXXXXX University and Sallie Mae. XXXX accepted me after they pressured me not only for a seat deposit, but for admission requirements to be completed ASAP and were demanding. They accepted me into their pre-med program stating I would get a degree. I found out later this was not accredited as a program and was given a printout of a certificate which held no value. This is when XXXX introduced me to XXXX University  because " it would be hard for me to become a Dr without an undergraduate degree '' XXXX then offered students of XXXX reduced tuition because of their partnership. They encouraged me to take out the maximum I could on loans and grants through the federal govt to use the remainder for XXXX who did not offer private loans and does not qualify for federal loans. Soon after having to start at XXXX and spending over thousands dollars at both schools, XXXX had a partnership with Sallie Mae. Sallie Mae was quick to offer a XXXX XXXX dollar loan and then cancel their partnership with the school but not offer loan forgiveness. These institutions have crushed me financially and I believe these practices are fraudulent. After all why would a private loan lender who has been in trouble in the past for predatory lending, offer loans to a unaccredited, non federal funding eligible institution with such a low graduation rate. Why would XXXX University  offer these programs in the XXXX to XXXX  students who they know have no other option. I would have never gone to these institutions if it were not for deceit and lies that I unfortunately believed because I have never needed to question a School let alone a XXXX school with US affiliations and partnerships with pretty big universities.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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.
Complaint sub-issue: Public record information inaccurate

XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with XXXX, XXXX and Equifax who has been reporting incorrect information for XXXX years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

Sincerely, [ XXXX XXXX ]
Complaint sub-issue: Reporting company used your report improperly

This complaint is in response to complaint XXXX. This response is to inform Equifax that they have defaulted by not rebutting my affidavit with an affidavit however I am giving them the opportunity to cure by giving me the remedy previously requested which is to immediately delete all accounts referenced from my consumer report as well as pay the attached invoice for each violation they have violated. I have resubmitted my previous complaint and accounts referenced are circled.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX XXXX XXXX XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.
Complaint sub-issue: Application denied

XX/XX/2018 I was sent a response to a recent complaint that I had. The response included the confirmation of the denial of a credit card on a false and unclear basis. 

The stipulations to recieve their XXXX  credit card are stated in their terms and conditions. Though it is pertinent to note that you can also recieve one after you fill out the application and meet their stipulations.