Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$6000.00}, {$960.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I have not authorized anyone in writing.
Complaint sub-issue: Transaction was not authorized

An individual went to the key bank XXXX XXXX branch on XX/XX/XXXX and presented a fake Passport card ID, and the teller handed over {$2000.00} of my money, without presenting or swiping a bank card. The following day on XX/XX/XXXX, an individual went to the key bank XXXX branch presented a fake Passport card ID card, and the teller handed over {$2000.00} of my money. I reported the incident to key bank on XX/XX/XXXX as soon as I noticed money missing from my account. Key bank has refused to reimburse my money up till now. I filed a police report and opened a new account as instructed by key bank, but I do not have the funds to pay into it, .. my direct deposit going to fund the current account takes months to change due to logistics of things and in the meantime, all my auto payments are tied to this account. My bank card is in my possession at the time of the incident and was never reported stolen. Even though Ive been with the bank well over XXXX years, Ive always swiped my card and put my pin every time I withdrew money and it was a shock to find out someone could give my money to a stranger. Im the only one on the account since it was opened. 
The most painful part of this whole thing is that it was preventable especially in the XXXX branch. I googled the reviews on the branch as soon as this happened and I found out that the exact same thing happened to someone XXXX years ago and that individual lost {$4000.00}. My question is how can this be a mistake or an accident?. For your information also, I have a credit card with this bank and Im paying interest on it while the bank refuses to refund my money to pay down the balance. I just want this nightmare to end, .. this couldnt happened at a worse time because of other things I have to deal with.
Complaint sub-issue: Investigation took more than 30 days

FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  ACCT XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Problem with paying off the loan

My Vehicle Was a total loss in XX/XX/XXXX. My Primary insurance company paid their responsibility from my policy to the holder of my loan ; XXXX XXXX. When XXXX XXXX received this payment they reported the decreased amount of {$5400.00}. to the credit reporting agencies. My GAP insurance took 5 months to pay their responsibility, which has been received by flagship financial in XX/XX/XXXX, because there is a small amount left behind of {$2400.00}, XXXX XXXX " refuses '' to work with me on a payment schedule to satisfy the outstanding amount. They Also Will Not Report To The Credit reporting agencies the amount of {$4500.00}. that was paid by the GAP insurance. As My Debt To Income Is Effected By This, I Am not able to qualify for a loan to pay off the balance owed to them. 
They Refuse To Take Any Less Than {$480.00}. A month to pay off the remainder from me. As I Had to purchase a replacement car when my was totaled, I am only in a positing to pay {$150.00} a month until the remainder is satisfied. 
In My Attempts to work with them, the company representatives are extremely rude and their actions are disturbing towards someone pleading to work out a way to meet my financial responsibility, and they refuse to take partial payments.
Complaint sub-issue: Investigation took more than 30 days

I have Sent Information  to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Complaint sub-issue: Other problem getting your report or credit score

XXXX XXXX  are running and hiding from me, I Demanded and instructed them to Release my Credit File and Rental history Report, but these XXXX XXXX are running and hiding. I requested the release of my entire file, I supplied my mailing address as : XXXX XXXX XXXX XXXX XXXX, GA XXXX, but rather these XXXX XXXX got to Running, this is funny, these iXXXX XXXX XXXX  think they are Stopping me, these XXXX are XXXX XXXX XXXX Send me my entire credit file for XXXX XXXX XXXX!!! $
Complaint sub-issue: Information belongs to someone else

Ive identified inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Complaint sub-issue: Information belongs to someone else

I should not have XXXX  or the 2 XXXX  XXXX accounts on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

My complaint is against the credit agencies, XXXX, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.
Complaint sub-issue: Reporting company used your report improperly

Please update my personal info, delete the accounts violating the FCRA and delete the unauthorized inquiries
Complaint sub-issue: Their investigation did not fix an error on your report

The attached document account with XXXX XXXX XXXX XXXXXXXX , is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXX XXXX  : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Complaint sub-issue: Confusing or misleading advertising about the credit card

XX/XX/19 I applied for a business credit card. I was declined, when I called in to ask why, I was told that they do not accept applicants that do not currently do banking business with them. They do not advertise this in the application process. We never had a chance of being approved, yet they allowed us to proceed with the application and take a hard hit on our credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX bank credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX Equifax, XXXX but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me.
It never is taken off my credit report. I did NOT solicited a credit card with XXXX Bank.
Please help me out here.
Complaint sub-issue: Can't close your account

I have three zero-balance accounts with PNC Bank that I would like to close. 

At approximately XXXX eastern time on XX/XX/2022 I was connected with a representative who gathered my information, carried on a conversation, and asked how she could help. The call quality was pristine. As soon as I told her I wanted to close my accounts, she immediately said that she could not hear me. For roughly 90 seconds, I would say something, she would immediately say " I can not hear you '' only after I spoke. When I pointed out that she only said that when I spoke, she quit responding and disconnected the call roughly 15 seconds later. 

Further attempts to request a callback or reach support via the @ PNCBank_Help XXXX account have not led to any communication from the bank, and since they do not offer an online account closure I am unable to close my accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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: Deposits and withdrawals

Citibank closed my checking account on XX/XX/ for no reason and I had {$2400.00} in the account. Citibank has not sent me a check for the amount and has not told me why the account was closed.
Complaint sub-issue: Deposits and withdrawals

I have a XXXX XXXX XXXX XXXX and XXXX Accounts. My last transaction that went through is on XX/XX/XXXX. Ever since then, even though I have over {$190.00} in my Spend account and {$10000.00} in my save account, my debit card is declined and when I try to transfer my money out of the accounts it says my account is frozen. I also get an error, if I try to close my accounts. 

I have emailed and phoned the customer service over and over - and they just say they will forward to a specialized team. I never hear back from any of them. I don't even know why they froze my account. 

I have bills to pay - I need my money back. Please help me get them to unfreeze my account ASAP
Complaint sub-issue: Debt is not yours

I contacted XXXX  XXXX XXXX on XX/XX/2018. I informed them that i never had A XXXX XXXX account before, which is the bill they are saying I owe them for debt. I never opened the account and asked for a verification of debt. They informed me that they do not legally have to provide me or notify me of debt. I was never notified about the collections. I never Recieved a letter. I only knew i had the collections because i ran my credit report. When I contacted the company, they could not find my file. They have the wrong name under my social security number. This company is fraudulent and unjust.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax is continuously reporting inaccurate and fraudulent information on my credit file. I have called on numerous occasions and sent letters that requested debt validation to confirm debt and Equifax has failed to do so. If and when Equifax respond they state verified without sending validation as I requested. Documentation is needed to verify debts contacts etc. I have no contracts with any of the said companies below and never have. I demand Equifax to remove immediately since they can not validate with documentation. Not to mention Texas has a 4 yr statue limitation and these accounts are well over 4 yrs old and need to be deleted indefinitely!! Below is how its showing on my credit file!! Equifax is violating FDCPA as I reported to them as well. Ive requested debt validation in writing for months and have yet to receive validation!! Its been over 90 days Equifax has yet to respond!! Equifax is reporting these accounts as charge-offs and collections this is against the law. 

XXXX XXXX XXXX XXXX # XXXX Last reported XXXX. {$960.00} Balance Charge-off ( closed ) Date opened XXXX Last Payment XXXX. 4 yr statue limitations in Texas delete indefinitely XXXX XXXX XXXX # XXXX Last reported XXXX {$0.00} balance Date opened XXXX Last payment XXXX Closed/Transferred/Charge-off 7 yrs old 4 yr statue limitation in Texas delete indefinitely XXXX   XXXX # XXXX Last reported XXXX Closed {$880.00} balance charge-off/collection Opened XXXX No date of last payment Past Due {$1500.00} 4 yr statue limitation in Texas delete indefinitely XXXX No account number listed Last reported XXXX Its reporting for both the collection agency and original creditor. Status Open XXXX No last payment reported Balance {$11000.00} Showing 3 yr 5 months old Account was deleted XXXX due to being unable to validate in writing and was reinserted in my credit file without my knowledge. Ive attached the documents from XXXX as you can see its not me. Not my name address phone number ID or social delete immediately and indefinitely!! Ive also attached report from XX/XX/XXXX when I disputed said fraudulent account and Equifax claimed it wasnt on my credit file reporting and it was reporting!!
Complaint sub-issue: Account information incorrect

XXXX XXXX has posted inaccurate information to my consumer report. I have not received a correct and true statement since November 2021. I have attempted to contact them but haven't received a response. This is a billing error and needs to be fixed so i can pay my credit card. This inaccurate information on my consumer report needs to be fixed so i can apply for more credit. This adverse action on my consumer report has affected my ability to move into my apartment. I want to continue to do business but i haven't received a statement at ALL.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report through my monthly monitoring service, I noticed that items that were previously deleted from my report were re-reported after years have passed since they were deleted. When I reached out to Equifax and requested that this be corrected immediately, I was advised that there is no way to correct this and that my file is split into two. Unfortunately, as a result of this error, Equifax is now given out information that is untrue about me XXXX defamation ) and refuses to correct it. Before I get an attorney and sue them for this violation of federal law, I am asking for the CFPBs assistance in getting my credit file corrected so that it is not split. This conduct clearly represents a willful and wanton negligence on the part of Equifax. I am essentially authorizing and requesting that you investigate this issues and correct it at once. Please see attached my identification.
Complaint sub-issue: Talked to a third-party about your debt

This complaint is for Conn 's XXXX XXXX. i have called and asked for a copy of the credit app, to know avail the name on the account is XXXX XXXX my name is XXXX XXXX when they called and asked for my imfomation and started sending me bills account XXXX i would like them to remove this from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent a letter to Equifax disputing an account that is falsley being reported on my account. The account in question is - XXXX XXXXXXXX XXXX - XXXX. I requested for physical proof of verification and did not receive a response. 

I then sent another letter to Equifax on XX/XX/XXXX requesting for this account to be deleted as XXXX  and XXXX  deleted the account based on the lack of ability to properly verify the reported information being accurate. I received no response from Equifax. 

So I then filed a complaint through CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX that the company would investigate. It is now XX/XX/XXXX, and I have not received a formal response from Equifax on this investigation. I looked onto my credit profile today and saw that the account in question is still on my report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, I am requesting Equifax to now delete this account off of my profile, as they have failed to properly verify this account.
Complaint sub-issue: Trouble with how payments are being handled

I have been participating in the XXXX XXXX XXXX XXXX program, certifying my employer annually and receiving updates on how many qualifying payments I have made yearly. This XX/XX/XXXX was the first time I've been made aware that 13 of my payments are no longer considered as qualifying payments. In XX/XX/XXXX, I paid XXXX cents more on a payment due in XX/XX/XXXX and XX/XX/XXXX. My loan servicer states this put my account in paid ahead status continuously for 13 months, therefore disqualifying all XX/XX/XXXX payments and a payment made in XX/XX/XXXX. I  paid the exact amount owed according to my repayment plan from XX/XX/XXXX-XX/XX/XXXX. It does not seem appropriate that {$1.00} could be applied to construe my account as paid ahead when my payments in XX/XX/XXXX were $ XXXX/month, and later closer to $ XXXX/month.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX I applied for and was approved for the Citi AAdvantage product. I applied based on email offer I received for XXXX bonus miles. On XX/XX/XXXX ( just 2 days later ) I received another personalized offer in my email for the same card but it was for XXXX bonus miles. I waited until i received my card and then called customer service on XX/XX/XXXX and asked to be enrolled in the XXXX bonus miles offer. The offer was valid thru XX/XX/11 and I had only missed it by 2 days so I was certain they would do the right thing and enroll me in the XXXX offer. But they did not. They said the offer i had accepted was what I was stuck with. So, i asked if i can close my account and apply for the new offer. They said I would be ineligible to apply for that card for the next 24 months. 

So, they think i'm valuable enough to offer me XXXX bonus miles, but once they found found out i had been suckered in for XXXX miles already, they don't want to honor the new offer. That is abusive. 
And why send me an offer i can't use? They APPROVED me on XX/XX/XXXX, in real time. They were in a rush to do that. But they are still sending me new solicitations 2 days later .... that i apparently can not use, because I was dumb enough to apply already. That seems unfair. 

I'm asking them to honor an offer they sent to me, personally. Not something i saw on a website, and ii 'm certainly not asking for goodwill. Just honor your offer. 
This is my first product with Citi ( and obviously my last ). What a stupid way to start a customer relationship.