Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I am writing to file a consumer complaint against Citibank. On XX/XX/XXXX, my Citibank accounts were hacked. {$39000.00} was stolen through wire transfers and {$5000.00} was stolen through XXXX transactions from my checking account. In addition, my Citibank credit cards were all declined for unknown reasons. I immediately called Citibank customer service the same day to shut down all my accounts and to report all unauthorized transactions. The next morning, I went to a local Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a new account and initiated an investigation to retrieve the stolen funds. 

For the next XXXX months, I called and emailed Citibank representatives on a regular basis to get updates and provided them with all the information I could to facilitate the investigation. Although Citibank credited the {$5000.00} XXXX fund back to my account on XX/XX/XXXX, the investigation of the unauthorized {$39000.00} wire transfer was slow and negligent. On XX/XX/XXXX, more than XXXX months into the investigation, I was told by Citibank fraud department that the team is missing an affidavit to complete the fraud report on the unauthorized {$39000.00} wire transactions. The investigation then continued for another XXXX months. On XX/XX/XXXX, Citibank fraud department declined the investigation and provided me with the following statement in letter : You did not take adequate steps to safeguard your account. This failure compromised the security of your account information and directly contributed to allowing the transactions in question to take place. 

The investigation and the reason provided by Citibank that led to the decision were extremely careless and inconclusive. Citibank fraud department blamed the victim for the incident instead of taking responsibility for failing to protect the clients assets and informations. When I asked Citibank fraud department for a detailed report that led to the outcome of the investigation, I was confronted with hostility and lack of adequate responses from Citibank representatives. I was told that no further information will be released unless I hired an attorney and filed a subpoena to request a detailed report of the investigation. 

I have a time log of all the phone calls, emails, and in-person visits I made to Citibank in the XXXX months to show that I was diligently working with the bank to retrieve the stolen funds. I hope the agency will look into the investigation and will bring resolution to my complaint against Citibank.
Complaint sub-issue: Public record

I had a credit card with XXXX Bank. I did not pay it off and a judgment was placed against me. I paid it off in full in XXXX. I wrote a letter to XXXX, Eqifax, and XXXX I attached the paid in full receipt. I received word from XXXX that it was removed but have never received word from the other XXXX credit bureaus. I did n't even receive word that they received my dispute. I would like this investigated. My name is XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, Texas. XXXX. My email is XXXXXXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX XXXXXXXX XXXX Account ending in # XXXX for {$230.00} XXXX XXXXXXXX Account ending in # XXXX for {$100.00} and account ending in # XXXX for {$200.00} 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have reached out last time to Equifax Credit Bureau, but i have not recieved any response up to this date. That means Equifax Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. The following account is still reporting on my Credit Report and needs to remove completely : XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Public record information inaccurate

Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information..Delete CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISCHARGED REFERENCE NUM XXXX
Complaint sub-issue: Other problem

I made a purchase here in XX/XX/2019. Upon signing the paperwork, I was told I would receive payment coupons. I've called 5 times, it's the end of XXXX ( 5 months later ) and I still haven't received the payment coupons. Everyone I talk to claim there was a problem with my address, they didn't know which one to use, an employee didn't make it completed in the system. It's been one excuse after another. They managed to find my address just find to add the balance and show payments on my credit report. They managed to find the address correctly to send me mailers and letters in the mail to utilize the rest of the unused credit on the card, yet I can't get my payment coupons in the mail! 

I would like to receive monthly statements or the payment coupons they promised me.
Complaint sub-issue: Information belongs to someone else

CBNA  done a credit pull on my identity as of XX/XX/2021. I have not applied for any credit as of XX/XX/2021. I am at home and not using the internet for any credit. 
Please take this hard inquiry off my credit report. Someone is trying to get credit of my ss number
Complaint sub-issue: Didn't receive enough information to verify debt

I received a debt collection notice from Afni Inc regarding an XXXX XXXX XXXX account for {$760.00}. I spoke with a representative and she said the account was opened in my name in XXXX, IN. I have never lived in Indiana nor do I know anyone there. Furthermore, I have never had an XXXX XXXX XXXX account.
Complaint sub-issue: Account information incorrect

For a very long time I have battled with Equifax regarding removing the fraudulent account which is dropped from $ XXXX- {$5000.00} for cash aid withdrawn by the mother of my children who at the time was collecting cash aid and did not have the children since I had full custody. The {$55000.00} was updated and taking off by the department because of the mistake in the fraudulent {$5000.00} amount Its still been reported by the bureau even though I let them know that that amount is fraudulent. The mother is currently in rehab and I would like the negative information taken off and blocked once and for all.
Complaint sub-issue: Their investigation did not fix an error on your report

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX/XXXX XXXX, XXXX XXXX
Complaint sub-issue: Account opened as a result of fraud

XXXX XXXX tried you file unemployment of Ohio in my name
Complaint sub-issue: Reporting company used your report improperly

MY CONSUMER REPORTS ARE BEING USED BY ALL 3 CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. I RECENTLY RECEIVED MY CONSUMER REPORTS AGAIN AND THEY ARE STILL REPORTING UNAUTHORIZED ACCOUNTS THATS VIOLATING MY RIGHT TO PRIVACY AND DAMAGING MY REPUTATION AND THIS IS NOT FAIR TO ME. ITS ALMOST IMPOSSIBLE FOR ME TO GET A LOAN OR APPLY FOR A NEW JOB WITH THESE ITEMS ON MY CONSUMER REPORTS. PLEASE HELP ME WITH THIS MESS, I AM AT MY WITS END WITH THESE CONSUMER REPORTING AGENCY CROOKS. THEY REPORT OUR INFORMATION WITHOUT WE THE PEOPLE EVEN KNOWING ABOUT IT AND THAT IS NOT FAIR US! ITS VERY DIFFICULT ENOUGH TO SURVIVE WITH THIS CORONAVIRUS PANDEMIC GOING ON. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING OPPRESSED. I NEED HELP WITH THIS, ITS BEEN OVER 30 DAYS AND SINCE I DISPUTED THE UNAUTHORIZED ACCOUNTS AND THEY HAVEN'T RESPONDED.
Complaint sub-issue: Public record information inaccurate

XX/XX/2022. Request for validation letters were sent to Equifax in regards to fraudulent accounts listed on consumer report. They accounts that were listed came back as verified without any proper documentation and they rest of the accounts listed were completely ignored and remained on report. The FCRA gives specific and clear guidelines and Equifax chose to not comply by not responding at all and refurnishing this false information on my report. 

XX/XX/2022. Another attempt to resolve these issues were made and again there was no response, and the listed accounts were again refurnished. 

XX/XX/2022. Again another attempt was made to resolve. Ignored, no response and accounts updated as verified. 

I have attempted to solve these issues for over a year. Equifax completely violated my rights as a consumer and broken several federally regulated laws.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX/DEPT OF ED XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

My argument is I was at XXXX XXXX and the cashier told me I would save more money with a home depot card would I like to apply. I told her at the moment I didnt have time I would look into it when I got home. So I did once because Im doing some re- modeling in my home. I logged onto the site read the literature and APRs on the card it clearly states on the site The meaning of PREQUALIFY is to qualify as a candidate : to meet the preliminary requirements for something. Quoted directly from the site Dont worry, this wont impact your credit score. I called the rep at the XXXX XXXX number and she clearly assured me that it was a soft pull and now I have a hard pull on my credit profile. 
This is your formal notice to cease your unauthorized hard inquiry into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Citi Bank made on XX/XX/2022 Made with XXXX to my knowledge, I have not signed any documents authorizing your organization to pull my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to the CFPB after your investigation so that I may verify its validity. I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Complaint sub-issue: Called outside of 8am-9pm

I was contacted this morning, at XXXX on XX/XX/XXXX, 2015 by the number XXXX. The caller claimed I owed a debt to XXXX XXXX University. They confirmed the last 4 digits of my Social Security and my birth date. They declared an address they would be sending information to in Colorado, but I am not a Colorado resident. 

I did not accept any attempt to pay the debt, since I do not currently know what the debt is for. My understanding is that this debt is in error. 

Further, it is my understanding that the caller may have performed an illegal call at XXXX, since this is before XXXX.
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: Transaction was not authorized

I have contacted US Bank, filed CFPB complaints, starting with charges by " XXXX '' to my account. These transactions have been typically {$4.00} - sometimes more than once a month. I reported this last year, this year, last month, this month to US Bank. US Bank responded saying I reported this to them. US Bank stated " our fraud department would be in contact with you ''. No one has contacted me. Yesterday, another " XXXX '' charge appeared on my account. I am on hold now with the " US Bank Fraud Department ''. Have been on for 15 minutes. 
I see two charges from " XXXX XXXX XXXX '' on my account. I live and work in XXXX, CO. I do not know anyone in Oregon. Against my wishes, I will now have to cancel this account, which will cause direct payments from my account with valid organizations I have chosen, to be re-done with new card information. 
I demand a satisfactory reply from US Bank on my previous fraud complaints. I show no refunds made to my account. I show no refund of overdraft charges. I show no assistance from US Bank at all. 
Yesterday, I stood in line outside the US Bank branch at XXXX and XXXX  XXXX in XXXX, CO. As I stood there, I spoke to one old woman who had called that morning to find a branch which was open in the XXXX area. She was told there were 2- one off XXXX XXXX , and one off XXXX and XXXX  XXXX- She arrived at the XXXX branch to find the computers were down. She arrived at the location I was at to stand in line again. She had been at this for 3 hours that morning. When I got inside, there were 7 teller windows, but only 3 tellers. US Bank has shut down branches all over XXXX, and the only one open on XXXX is staffed by 3 tellers? Undeniably, US Bank is  one of the worst banks in the United States. 
XXXX XXXX, XXXX CO XX/XX/20
Complaint sub-issue: Can't decrease my monthly payments

The reason for this complaint pertains to Predatory Lending. XXXX has been be fraudulently misleading students. According to the CFPB it is believed that XXXX used high-pressure tactics to push many consumers into expensive loans destined to default. During the course of XX/XX/XXXX through XX/XX/XXXX I was encouraged to take out loans and continue my education from an XXXX degree to a XXXX. The Department of Education a student can receive loan discharge for this but this only applies to recent students and those who recently completed their studies within XXXX. This is an unfair process in that many prior students have a considerable about of debt because of this. Moreover, is that since the XXXX name has become tarnished it reduces the likelihood of receiving a new position. Employers may deem students not being well educated. Recent students at least get the opportunity to repair their statuses. While previous one have little or no chance. I believe if a discharge can not be granted for all students affiliated, then all students should receive a partial discharge of loans. We are victims too.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i went online and call all three major credit bureaus XXXX Equifax, XXXX XXXX XXXX XXXX about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.
Complaint sub-issue: Information is not mine

I have a bill that have been paid an want to no how to get off my credit Court documents XXXX, deed XXXX, XXXX XXXX court, XXXX tn,XXXX XXXX XXXX XXXX tn XXXX
Complaint sub-issue: Account information incorrect

I called Equifax to discuss an item that needs to be removed but they said they could not find my file?? How is that possible? Its affecting my score! they had me on hold for 2 hours ...
Complaint sub-issue: Problem with rewards from credit card

I got one promotion from Discover/XXXX  that if I make my discover credit card as default card for payments -I will get {$10.00} as cash back. Pre conditions - I need to make one such purchase from XXXX using discover credit card. 
Unfortunately neither discover credit card nor XXXX is helping me out.
Complaint sub-issue: Account information incorrect

Equifax and XXXX should not be reporting me as an authorized user on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I am an identity theft victim these items listed are a direct result of identity theft. Contacted bureaus XX/XX/22 and yet to get a repsonse. 

XXXX and Equifax are in Violation ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) Accounts are affecting the ability for me to purchase a home for me and my family. 

Equifax XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX BANK XXXX XXXX Account number XXXX XXXX : Account number XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO PREVIOUSLY REQUESTED THAT IF YOU ALL CHOOSE TO INACURRATELY RESCIND OR DENY MY INITIAL REQUEST, THAT YOU ALL SEND COPIES OF PROOF OF MANUAL VERIFICATION METHOD FROM THE CREDITORS. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information As of today, I've yet to get any of this information
Complaint sub-issue: Other problem getting your report or credit score

The CRA 's arent allowing me to freeze, lock, or View my credit. Equifax is not updating any information to view. Status is internal lock. XXXX will not allow me to enter my account without forcing a membership. Please help Fix the issue please
Complaint sub-issue: Information belongs to someone else

I repeatedly disputed the address and as well as information pertaining to an account on credit report Equifax has not been complaint under the guidelines of metro 2 format compliance as well as have not been compliant to my rights under the fair credit act section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as under the fair credit act has not provided section 609 ( A ) 1 sec 611-2A1 ( 2B have not provided me anything proper documentation that represents action taking against me
Complaint sub-issue: Banking errors

XXXX XXXX Did Negligent work and overcharged me by XXXX times to install a new Starter. They left Bolts Loose / Untightened on the Motor Heads.

Bolts which should have ever been touched on the starter Job. 
Then they Overcharged me. Which They lowered 30 %. From over {$1000.00} down to {$700.00}. The stop payment was not honored because the bank failed to see and or correct the Number of the Check. So now little and Old me is OUT {$700.00} which the Auto Business should could and would paid for. And The Bank Becomes as guilty as the Auto Business is guilty of fraud and theft. And Price Gouging. So the bank and the business both practiced fraud against me. And because Of my Eviction the case is now Closed. That is some everyday real normal XXXX.
Complaint sub-issue: Debt was paid

I am having issues disputing a debt on my credit report. I have spoken with XXXX XXXX XXXX and their third party collections agency IC System. My issue was that I was unaware of a debt from XXXX owed to XXXX XXXX. I have since paid my debt to XXXX XXXX back in XX/XX/XXXX but when they reported it to the collections agency IC System. IC System states they have not received the full amount stating there is a XXXX dollar balance still owed. This is not the case. I have informed both companies via phone of this mistake back in XXXX after I noticed it was still reflecting and damaging my XXXX XXXX. Speaking with XXXX XXXX I have verified my payment of the full amount owed via their 3rd party software XXXX. I have spoke with them both again via a teleconference later in XXXX and they have still not satisfied the debt. It is now the XX/XX/XXXX. This is harming my credit and I would like it disputed.
Complaint sub-issue: Transaction was not authorized

My debit card information was taken and used in several locations. I first identified the first 2 transaction as they were $ XXXX/each at 2 local gas stations. I immediately called the bank and they requested I file a dispute. They cancelled my card and told me I would have to go to a branch to get a new card.
When I got to the bank, they identified new charges and a 2nd dispute was opened at that time. They confiscated the card. The bank the first dispute, however declined the second dispute because they indicated that those smaller charges, would have been done with the actual card. TCF did not complete any research and closed the dispute. I filed a report with XXXX Police department, " XXXX '' and have been reaching out to the fraud police officer.
My complaint is that 1. ) TCF should have put a stop on the account with the 2 sets of identical charges, as this is policy for most other banks. 2. ) They arbitrarily closed the account before completing any research, even though I have been a customer for 10+ years. 3. ) The retailers all have videos and are happy to supply them to TCF Bank or the police department, however they only keep them for 30 days. We are 2 weeks into this dispute, and they have not requested them. 4. ) They have not provided me with copies of the signatures used on these transactions. 5. ) They are not contacting me with information or details on what they are doing to resolve/investigate the dispute. 6. ) I had to use a loan to put funds into the back for the negative balance that this situation has caused, because my mortgage was not getting paid.
Complaint sub-issue: Account status incorrect

All three credit reporting agencies, XX/XX/XXXX XX/XX/XXXX and Equifax are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.