Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

I have a basic savings account with Citibank. On Saturday, XX/XX/2021, I attempted to log into my account, and kept getting an error message that my password was incorrect ( which it was absolutely the correct password ). I then hit the " forgot password '' to just reset the password, and received a message that online access to my account had been blocked and was prompted to call the customer service line. Over the course of the remainder of that afternoon, I called multiple times, each time either 1. being told that no information could be given to me or 2. being told completely different things every phone call. I was finally told that I would have to wait on a letter to be mailed to me to verify my account. 

It has been almost 2 weeks since I was first denied access to my account, and I have still received no letter in the mail. Each time I call, whether it's to gain access to my account or just attempt to close it and have the funds in my account mailed to me in a check, I am told that nothing can be done until I receive a letter, which is absolutely absurd. On my last phone call with citibank, which was today, the rep came back on the line and told me he simply could not help me, and that he would be terminating the call. He then hung up on me. My money is in this bank account, and i have no way of accessing it, nor closing my account, and Citibank refuses to assist me outside of mentioning a letter, that I have yet to receive after almost 2 weeks.

As of right now, I still have zero access to my account ( online banking ) or the money in it. I am being told to wait on a letter to arrive via USPS mail, that should have been here by now, and is still not here. We are in the middle of a pandemic, and I can not access my account nor can I close it.
Complaint sub-issue: Public record information inaccurate

On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me. On XX/XX/21, I sent a XXXX letter to Equifax. They have not responded to me.
Complaint sub-issue: Account status incorrect

In XXXX of XXXX, I contacted CBNA ( Home Depot Credit Services ) to close my account and set up fixed payments of {$22.00} a month until the account was paid off. I was NOT informed that since I had a past due balance that the closed account would still be reported as late to the credit bureau, even with making the minimum monthly payment of {$22.00}. Now, I have 5 late payments marks ( XXXX, XXXX, XXXX, XXXX, and XXXX ) on my credit report. These late payments should be removed since I was never verbally told or received info in the mail to explain that my account with CBNA would be negatively reported to the credit bureau. If I had known my credit was being adversely impacted I would have never set up the payment plan to begin with. I would have just paid the past due balance first, then set-up the payment plan. This does n't make sense. I have made every payment on time since the payment arrangement was set-up. I ask that the late payment marks be removed from my credit report so that all credit reporting is fair and accurate.
Complaint sub-issue: Problem with personal statement of dispute

After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what XXXX quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX,XX/XX/XXXX, {$7300.00}, Equifax Mortgage Services, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}
Complaint sub-issue: Account status incorrect

My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as 2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.
Complaint sub-issue: Their investigation did not fix an error on your report

Disputed jefferson capital systems. Came back verified. I have no knowledge of this account. Please validate with proof of contract signature, and proof of investigation.
Complaint sub-issue: Personal information incorrect

XXXX File Number XXXX XX/XX/2018 XXXX has under Club & Subscription Activity XXXX XXXX XXXX on my file I have never applied or sign or ask or requested anything from XXXX XXXX XXXX XXXX needs to stop placing selling and having XXXX XXXX XXXX all over my credit file that I not applied or requested or sign giving permission for anything XXXX XXXX XXXX
Complaint sub-issue: Account status

Equifax has changed the status of closed accounts to open status. It seems as when you dispute items on your credit report Equifax will change the status from closed to open on old accounts. I feel that this is an effort to lower your credit score. I have spoken with another family member and they mentioned that they had the same issue with Equifax reporting closed accounts as opened. Equifax should be investigated for this practice.
Complaint sub-issue: Card was charged for something you did not purchase with the card

My Best Buy card was never not in my possession Purchases were made on my account in Best Buy store without the physical card in the amount of {$1200.00} and {$220.00} on XX/XX/2019 and XX/XX/2019 respectively. 
I reported this to Best Buy immediately. The charges were reversed, the card was closed and a new card was issued. The following month the charges were added back to my new account. 
I have spoken with Best Buy customer service approximately 15 hours, written emails on my account, sent a detailed written letter on XX/XX/2019 in an attempt to resolve the problem. I received no response from any of my attempts to resolve this matter. 
Best Buy refuses to reverse these charges, continues to accrue interest and continues to report the account as delinquent to the credit bureau.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/2018 I contacted Americollect in response to a claim I owe a debt to them I asked that they validate their claim, after no response they posted negative inaccurate incorrect information on my credit profiles I disputed again and filed a complaint with CFPB, I received a letter claim to be an itemized list for a XXXX XXXX XXXX with the balance reporting {$0.00}, I DO NOT HAVE A DEBT WITH AMERICOLLECT
Complaint sub-issue: Debt was paid

I am disputed this account which was originally owned by XXXX XXXX the original creditor. This loan was paid off in full. Once the location was closed I start receiving letters from the new company XXXX XXXX that informed me I owed a debt. I informed them that the account had already been paid and please fix it. Months later I see that XXXX XXXX the collection agency had acquired the account and is negatively reporting this on my credit report. I have asked that the validation of debt be received twice and have not received an response. According to the FCRA they have violated my rights and are damaging my credit file by reporting inaccurate and untruthful information.
Complaint sub-issue: No notice of investigation status/result

I am the victim of identity theft. I disputed an account wrongfully reported on all three of my credit reports multiple times with each of the Credit Reporting Agencies and the creditor directly. I have previously provided police reports to substantiate my claim. Each time I receive a canned response : " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. '' Yet the CRAs nor the creditor provide documentation *proving* they validated the information, despite my including a copy of my police report when I disputed the account.
Complaint sub-issue: Debt was result of identity theft

I disputed an account on my XXXX  report called Pro Collect. I have filed identity theft and submitted this account to the federal trade commission yet this company still attempts to collect from me and will not come off my credit report. The original creditor Is XXXX  XXXX  XXXX XXXX XXXX. I have no idea what that is
Complaint sub-issue: Account status incorrect

I opened a First Progress XXXX  credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. 

First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from First Progress Card since XXXX of XXXX. That is when they emailed me a statement. 

XX/XX/XXXX First Progress was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to First Progress Card.
Complaint sub-issue: Frequent or repeated calls

I 've been getting called multiple times a day after I paid XXXX $ XX/XX/2016 saying that was the past due amount to clear my account. apparently I still owe XXXX $ an have basically being harassed about this after I was told the XXXX would bring me up to the date of my next payment which is XXXX XXXX 2016. I 've also told these people of my situation multiple times. I 'm on XXXX leave an have been having problems with the State since my paper work keeps having problems or getting lost. I also have a good payment history and this has never happened with me before and they have n't helped me in anyway to come to a solution.
Complaint sub-issue: Talked to a third party about my debt

XXXX XXXX XXXX XXXX sold my information to High Desert Creditors Services I sent a verification of debt for the High Desert Creditors Services to provide me with a contract where I contracted with High Desert Creditors Services they responded to me onXX/XX/2016 where they stated that was a verification of the debt just to be clear a verification of debt has to be sent by the original creditor and it also has to have my wet ink signature the letter that was sent to me there is no wet ink signature where I contracted with the original creditor with that being said
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account with US Bank a few months ago, i was told once i do 2 direct deposit for total no less than {$4000.00}, i would get {$400.00} promotion, and i did that, the last few months, i contacted them several times, agent told me i have met the requirements, and the reward would give to me, i even received a paper letter on XX/XX/XXXX, said the reward would give to me by XX/XX/XXXX On XX/XX/XXXX, i contacted them, they promised would give me the reward, told me to wait till XX/XX/XXXX, but i still havent seen the reward, so i contacted them on XX/XX/XXXX, they said sorry you didnt meet the requirements.
Complaint sub-issue: Public record

MY SSN CARD IS ATTACHED and My there is an inaccurate SSN on my credit report that they fail to remove. My correct SSN is XXXX REMOVE ASAP XXXX SO XXXX Can you take a look at the account responsibility and number and remove this collection immediately. I do not believe it is accurate. 

XXXX XXXX Begin reviewing the account name, account type, and account number. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please run an investigation on the public record type, docket record and amount owed. Please remove this public record for violating the Fair Credit Reporting Act it does n't seem right. I have included the documentation from the Georgia Department of Revenue showing that this is inaccurately reported. So, I need for you to Delete this account ASAP
Complaint sub-issue: Trouble using the card to spend money in a store or online

The card said to register for online order. I did so. Then the card did not work. Now the website for help and to register the card does not work and the phone number only says there will be an extraordinary wait time and hangs up.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a dispute to Equifax requesting a reinvestigation AND Method of Verification about the following account XXXX XXXX XXXX XXXX dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ). Equifax just sent me automated reply without providing proof of " Method of Verification ''. I have requested Equifax method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Complaint sub-issue: Their investigation did not fix an error on your report

I sent my letters haven't got a response I will like all errors to be removed
Complaint sub-issue: Their investigation did not fix an error on your report

i am filing this complaint because XXXX, XXXX and equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Complaint sub-issue: Problem with fees

I bought a new refrigerator in XXXX for {$1400.00}. I paid the card off in less than 4 months : {$200.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$240.00} on XX/XX/XXXX, {$800.00} on XX/XX/XXXX. In XXXX I received a bill saying my last payment was late. I submitted the payment on time and it is sent electronically but apparantly it took an extra day for some unknown reason. Because of that they charged me a late fee. I called and spoke with a representative and then a supervisor and neither would eliminate the late fee. I have never been later before, I always pay my bills on time and I always try to pay off my bills as quick as possible. I tried to explain that I made an {$800.00} payment to bring my balance to XXXX. I tried everything and they still refused to reverse the fee so I closed the account and told them I would not be paying the fee. 
They just sent me another statement and now they are charging me more fees. I have a XXXX balance but now they have charged me more late fees and interest and now are saying I owe {$99.00}.
Complaint sub-issue: Account terms

My mother is somehow added to my Credit Account. Shes lowering my credit score.
Complaint sub-issue: Attempted to collect wrong amount

I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Complaint sub-issue: Didn't receive terms that were advertised

Early XX/XX/2018, PNC bank advertised on the its own website ( pnc.com ) that if a consumer opens a " PNC Performance Select Checking '', and performs the listed actions ( {$5000.00} direct deposit and ten plus debit transactions ), the consumer will receive {$300.00} account opening bonus ; I have uploaded all related promotion images with this complaint ; I opened the " PNC Performance Select checking account on PNC.com on XX/XX/2018, I made required $ XXXX direct deposit on XX/XX/2018, I did ten debit transactions by XX/XX/2018 ; But I do not see {$300.00} account opening bonus to this day ; I called PNC bank early XX/XX/2018, the representative told me that when I opened the account on PNC.com, the promotion code for the {$300.00} bonus was somehow not included in my account, that is why I did not receive the bonus, and she could not do anything to correct the issue ; This is apparently a technical issue/error on the PNC bank for not including promotion code in my account, I as a consumer should not bear the consequence of a technical error of PNC bank ;
Complaint sub-issue: Problem getting your free annual credit report

In XX/XX/2020, I was denied an annual credit report from Equifax. At that time, I called their customer service and could not get an explanation for the denial. I called a different customer service number on XX/XX/2020 and was told I did not verify all of the 4 security questions correctly. 3 of the security questions were straight forward and simple. The problem is that one of their security questions was : " What is the numeric portion of your XXXX XXXX address? '' - Being stationed overseas, I do not have a XXXX XXXX address starting with a number. Neither do hundreds of other military personnel and their family members. My address begins with 'PSC XXXX ' so I entered XXXX. This failed to validate. I am submitting this complaint not just for myself, but for others for whom it is impossible to validate this security question.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with DISCOVERBANK, XXXX  CARD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and ISCOVERBANK, XXXX CARD and XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Didn't receive enough information to verify debt

I writing because I pull my credit on XX/XX/XXXX found out about this collection from Plaza Services Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter Plaza Services they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 
1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 
2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 
3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b XXXX FTC opinion letter XXXX from XXXX. 
Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Complaint sub-issue: Account status incorrect

I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX, XXXX XXXX, XXXX, and US DEPARTMENT OF EDUCATION are violating my consumer rights. They keep transferring an alleged debt and reporting it to third parties without my consent. I didn't receive proper disclosures in regards to an unauthorized consumer credit transaction and they never provided me with original document evidence bearing my signature in wet ink.