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

CITIBANK had closed my account, and issued me a check for the remaining balance that was left on my account before being closed. The check issued was stolen, and the bank issued me another check XX/XX/2023 in which one of the phone tellers advised me that, the check should arrive in the mail no longer than 10 business days. And I yet have not received anything in the mail. So this is making very inconvenient for me not having my money available to me. As I could of paid any of my bills with that money, and yet the bank wants to delay in giving back the money that is mine. And this is not the first time, this has happened to me with this bank.
Complaint sub-issue: Account information incorrect

I'm disputing the following account XXXX XXXX XXXX XXXX. The payment history for XXXX 2020 is inaccurate.
Complaint sub-issue: Received bad information about your loan

When XXXX bought out Earnest, they removed the biweekly payment option. When I called to discuss this with representatives in XX/XX/2018, they told me that switching to monthly payments would not affect the amount of interest I paid. That was false. A basic economic principle is that paying a loan more frequently reduces the amount of interest. I continued to make biweekly payments despite Earnest 's false representations. In XX/XX/2018, the interest being charged on my loan doubled. I have a variable interest rate, but the increase in LIBOR was not enough to cause the interest to double. I suspect XXXX changed the way they are calculating interest. Since XX/XX/2018, the interest being charged on my loan increases even when the interest rate and LIBOR decrease, and even though my loan balance is decreasing. This does not make sense. Earnest is either calculating the interest rates incorrectly, or charging hidden fees.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  & on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone got a hold of our SS #... They applied to three banks. 
On or about XX/XX/XXXX, XXXX, XXXX XXXX XXXX -- reported to me by XXXX and XXXX XXXX denied XXXX XXXX - reported to me by XXXX and XXXXXXXX XXXX denied CITI BANK.. as reported to me by XXXX ... and Card was approved and sent to my home. 

During this process, we put a FREEZE with all three credit agencies. 
CITI Bank had probably approved card before the FREEZE took effect. 
I called CITI bank to cancel the card... on Friday XX/XX/XXXX, the day I received the card. 

CITI bank had some information about the people who applied. 
Different email address, different phone numbers... that do NOT apply to me
Complaint sub-issue: Threatened or suggested your credit would be damaged

EOS CCA collected money on a debt that XXXX said I had, but I did not have. I paid it to get rid of both companies. However, last week I was notified of the class action lawsuit filed against XXXX and also found out that XXXX lost. I am a member of that class because of this debt that was not owed.
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 consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Was not notified of investigation status or results

To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Complaint sub-issue: Information is incorrect

ON XX/XX/2019 MY HUSBAND CALLED THE POLICE AND MADE A FALSE REPORT SAYING THAT I HIT HIM WITH MY CAR. THE OFFICERS CAME OUT SPOKE TO WITNESSES & DETERMINED HE WAS LYING, THEY TOLD ME TO GO AHEAD & LEAVE. SINCE WE SHARES A AUTO POLICY WITH XXXX HE A CLAIM UNDER MY PIP. HE GAVE THEM A HOSPITAL WORKUP BUT FAILED TO SAY THAT HE HAD XXXX A FEW MONTHS PRIOR. XXXX FAILED TO CONTACT ME ABOUT THE INCIDENT, THEY ISSUED 100 % AT FAULT WHICH HAS AFFECTED MY COMMERCIAL INSURANCE THROUGH XXXX! I ASKED IF IT COULD BE REMOVED BEING THAT THEY DIDNT CONDUCT A INVESTIGATION NOR DID THEY REACH OUT TO THE POLICE. THEY TOLD ME NO I HAD TO JUST DEAL WITH IT BECAUSE THEY PAID IT OUT! AFTER I SUPPLIED THEM WITH DOCUMENTS THEY STILL REFUSED. I THEN REACHED OUT & SUBMITTED 2 DISPUTES WITH LEXIS NEXIS & SUPPLIED THEM WITH THE SAME INFORMATION ONLY FOR THEM TO REACH OUT TO XXXX INSTEAD OF DOING A FULL INVESTIGATION! BOTH AGENCIES HAVE VIOLATED MY RIGHTS TO THE FULLEST.

: 15 U.S.C 1681 S-602A STATES I HAVE A RIGHT TO PRIVACY : 15 U.S.C 1681 S-604A STATES THAT REPORTING AGENCIES CAN'T FURNISH INFO WITHOUT MY WRITTEN CONSENT : 15 U.S.C 1681o CIVIL LIABILITY FOR NEGLIGENT NON COMPLIANCE
Complaint sub-issue: Problem with rewards from credit card

In XX/XX/XXXX, XXXX XXXX introduced a new rewards program for their cardholders which allowed you to accumulate points ( by purchases ) that ultimately earn 5 % cash back. The details of the program state that once your spending level reached {$1200.00}, the customer is able to begin the accumulation and move to platinum status. My account accumulated over {$2000.00} but my status never moved to platinum, nor did I receive the benefits of the 5 % cash back. I contacted XXXX 's several times between XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to advise them of the error. Each time I was told that my account would be reviewed and asked to wait. Initially, they did nothing. After the holiday season, they updated my account status to reflect the platinum level, after I brought their system error to their attention. However, to date, I have not received the benefit of the cash back reward. I exceeded the required limit by XXXX. Ultimately, XXXX XXXX owes me approximately {$40.00} in cash back rewards. On XX/XX/XXXX, I received a new card in the mail with a notification that I am a platinum level customer, 3 months after the fact. I feel that they are simply avoiding admitting to their error. This is a dishonest practice. I am a consumer!! They accept my payment each month with no problem. I expect reciprocation with respect to the way that I am treated as a consumer. I have advised them that I have screen shots from each time that I contacted them, supporting my claim. They would not provide me with an email to send them to. Hopefully, you can assist me. 

My name, address and account # are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I was a victim of Identity theft. These accounts are unauthorized, and I owe no responsibility to any of this debt.
Complaint sub-issue: Personal information incorrect

There are incorrect addresses being reported on my consumer report. 

There should be only one legal name that should be reported on my consumer report.

There should only be one phone number being reported on my consumer report.
Complaint sub-issue: Account information incorrect

I have contacted the company XXXX XXXX XXXX service but they are closed. My loan was transferred to XXXX and my credit report shows the same amount for XXXX XXXX XXXX  and XXXX as if I own both loan services. I have also received a letter stating that my loan has been forgiven.
Complaint sub-issue: Trouble using the card to spend money in a store or online

i have been using this account for over a year now doing my initial setup i was asked to verify documents i used my drivers license and bank statement for prof of address my account was just restricted due to me updating my address so i can not use my funds in my account till i send a id so i send my drivers license again and my utility bill for prof of address i can not use it cause i used it before and the only other document i can use are passport or id in the united states when you have a drivers license you can not have a id too and everyone do not travel to be able to have a passport my utility bill clearly have my name and address on it and it was rejected as well when it was on their list of approved documents i am very XXXX about this situation i need my money i updated my address in my app that clearly states it was me doing so.
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested proof of validation on several occasions from the collections company  XXXX  (   XXXX   XXXX   XXXX   ) and also from Equifax and   XXXX   once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on Equifax and  XXXX . Equifax and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.
Complaint sub-issue: Information belongs to someone else

My XXXX report is wrong. 
It contains an account Discover Card Services which shows an ~ {$18000.00} balance that is not mine. 
It shows it is current with monthly payments being made. 
I don't have this account, I don't receive statements, I am not making payments on it. 
This would either be bad data, or a mixed ( credit ) file. 
I have reached out to contest this four times. It gets removed and Discover puts it back on. 
Attached are the dates and case numbers of the contests I have called Discover numerous times. 
I have been informed via the customer service, security team, XXXX team, charge verification teams that i DO NOT have an account either in credit card or loan departments with discover. 
They have verified to me that there is NO ACCOUNT with them tied to my SSN. Yet they keep putting this back onto my XXXX report. 
I have exhausted my options in communicating with Discover and want this removed from my file.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting duplicate collection items for {$150.00} on the XXXX XXXX XXXX IN partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX ( ca n't remember exact date ) I called equifax for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel stupid, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate equifax for it. All I wanted was some unauthorized inquires deleted. That 's it!!
Complaint sub-issue: Problem with fees

I'm constantly having problems being charge late fees for no simple reason
Complaint sub-issue: Reporting company used your report improperly

I was affected by the Equifax hack based on the information on their website. This has caused me to setup credit alerts and has caused me undue XXXX. I consider my personal information highly sensitive and valuable enough to require the highest security standards to protect it
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX/XXXX XXXX BRANCH XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

I never lived outside the state of XXXX except for when I was in the XXXX and then it was not in the state of XXXX. XXXX was in XXXX and my XXXX was in XXXX and I was XXXX in XXXX. I never lived in XXXX. I reported this to the credit bureau once before.
Complaint sub-issue: Their investigation did not fix an error on your report

I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I'm writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 
I also requesting to remove negative accounts from credit reports which never belong to me. 
XXXX  XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX
Complaint sub-issue: Debt is not yours

I sent a debt validation letter on XX/XX/XXXX by certified mail and they received it on the XXXX and still have not responded with a contract with my signature or anything for that matter.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I went to an ATM and withdrew {$400.00} plus the {$5.00} fee for using ATM on XX/XX/22 unfortunately the ATM did not dispense cash..never opened I immediately called the number on the Machine and they told me to contact my bank regarding receiving the funds back, they provided me with a reference # XXXX to help identity the transaction and sent an ATM tech to troubleshoot ATM. I have tried multiple times reaching out to Cash App support asking for Regluation E policy to be enacted yet no response or they reply with someone will get back to you. Its been a week tomorrow where is my money? Here is proof of escalation Ref # XXXX
Complaint sub-issue: Information belongs to someone else

Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Trouble getting a working replacement card

I reported a list card on XX/XX/XXXX and was processed a replacement to arrive within 7 to 10 business days. I did not receive this card and then processed another for XXXX to be delivered within 2 to 3 business days after XX/XX/XXXX. I have chatted with the customer service reps multiple times and the continue to tell me to wait and that a tracking number has not been processed by the couriers yet. The charges appear as administrative debt.
Complaint sub-issue: Debt is not yours

I never opened a XXXX  account. I asked this collection company to show me the wet ink signature and contract also to verify his license to collect in my state. This company only has sent me statements and has not proven this debt to be mine. I gave them 30 days to substantially validate and verify this to be mine. They have not and it's my right to be provided the evidence of said debt per fair credit reporting act. This is not my debt. My identity has been messed with. Please force this company to comply with federal law.
Complaint sub-issue: Banking errors

PNC Bank in  XXXX , PA allowed ( and will not return funds ) an online withdrawal transaction that had my name and my father 's name on it. It was a checking account. My father passed away on  XXXX   XXXX ,   XXXX  , and my sister ( whose name is NOT on the account  )  withdrew {$500.00} two times ( {$1000.00} total ) on  XXXX   XXXX ,   XXXX  . Again, this was AFTER my father passed away, and my sister 's name is NOT on the account. PNC refuses to return the money or even attempt to retrieve the monies back from her. My sister (  XXXX   XXXX   )  and I have not spoken for several years. I feel this is the bank 's responsibility to return the {$1000.00} to me as it was then  MY account, and the bank holds responsibility to protect their customers ' accounts. The Assistant Bank Manager   (   XXXX   )  is the person I have been speaking to regarding this fraudulent act. I am filing this formal complaint against the bank so they refund the {$1000.00} that they allowed to be withdrawn illegally. They have been totally unhelpful and uncooperative in this matter. They did n't even notify me until 4 days AFTER the money was withdrawn. They are fraudulent in so many ways.
Complaint sub-issue: Debt is not yours

IC System, Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX Account # XXXX ) The account was opened in the state of Georgia. I live in California. I have never lived outside of California nor have I ever cosigned for anyone to open an account. 
The said action appears on my credit report. At this point, it is preventing me from refinancing my home. I have disputed the action with XXXX, IC System and XXXX Neither XXXX nor ICS has provided me with documentation of the said account, nor the names of the account holders. I am requesting this account be removed from my credit report. The total debt is {$1100.00}. I have been advised by 2 different Mortgage companies ( XXXX and XXXX ) to pay the balance so we could resume the refinance process. It feels like big business extortion to me.