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

Hello Citibank, I have made several attempts and no one over the phone is helpful I will start by saying that. Theres an issue which must be resolved ASAP! This needs immediate attention please. Citibank closed my business account for account number ending in XXXX on XX/XX/21 for our business account for XXXX XXXX. It shows that my remaining funds in the amount of {$5700.00} were withdrawn on XX/XX/21 and a check was mailed out in this amount however 1 month has passed and I have NOT RECEIVED my check in the amount of {$5700.00}. WHERE IS MY MONEY? I HAVE NOT RECEIVED MY MONEY YET IN THE AMOUNT OF {$5700.00} which states Citibank withdrew that amount from my account. Were in my money in my account that Citibank took out? I NEED MY MONEY! I keep CALLING CUSTOMER SERVICE NO ONE IS ANY HELP! Please CALL ME AT XXXX or email me at XXXX. THIS IS URGENT!!!!! I need my money in the amount of {$5700.00} that was withdrawn from my Citibank account on XX/XX/21 in the amount of {$5700.00}. I HAVE YET TO RECEIVE MY MONEY! Please resolve immediately. 


I NEED A NEW CHECK ISSUED OUT BECAUSE I HAVE NOT RECEIVED MY MONEY THAT WAS SENT OUT ON XX/XX/21 by Citibank in the amount of {$5700.00}. Thank you. 




XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : TBOM/FORTIVA XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In response to Citibanks letter dated XX/XX/XXXX for my Citi Best Buy accounts ending in XXXX ( Old account ) and the new account ending in XXXX ( see letter attached ) I received all the statements and receipts and i can confirm all transactions after XX/XX/XXXX where unauthorized. 
This is the 3rd time I have informed Citi bank of the unauthorized transactions The transaction in XXXX Florida for {$900.00} in mine, as i previously said, I was in Florida from XX/XX/XXXX to XX/XX/XXXX XXXX ( see attached boarding pass ) However, all the other transactions from XX/XX/XXXX through XX/XX/XXXX are unauthorized. I did not make them, sign those receipts and I did not profit from them in anyway. This is including the pay by phone payments on XX/XX/XXXX & XX/XX/XXXX. They were not made from any of my checking accounts. 

Additionally, If there is anything else Citibank feels they need to discuss it MUST be written communications. Therefore, In the event there is a civil claim, it is best both parties have equal access to all the historical facts. I stated this in my previous correspondence and I am stating it again. 

In the meantime, I am advising Citibank to conduct themselves appropriately. Which, to this point you have failed to do. I AM REFERRING DIRECTLY TO THE MID-CYCLE POSTING OF THE BALANCE FOR ITEMS I HAD JUST A FEW DAYS EARLIER DISPUTED.
Complaint sub-issue: Information belongs to someone else

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Complaint sub-issue: Cashing a check

I went to Citibank on XX/XX/22 to deposit my 401k check of XXXX and a week later the check was never cleared in my bank account. I called Citibank customer service on XX/XX/22 and they informed me that they have no trace of the check being deposited and that they were going to open an investigation to see what happened. I called on Friday XX/XX/22 and they said they were still trying to communicate with branch that I deposited the check to and will call me back within the same day. At the end of that same day, I didn't received any calls so I called back and they said they are still waiting and recommended for me to fax a copy of my transaction receipt to fax # XXXX. No idea who this fax belongs to but when I called Citibank back on XX/XX/22 they said they never received the receipt that I faxed on XX/XX/22. On that same day, they said my only option left is to go to the branch where I deposited the check. Now, I live in Connecticut, XXXX hours away from this bank. I just started a new job and I had to take off today XX/XX/22 to go to this branch, bring in my transaction receipt to figure out what happened with the check that I need at this moment badly because I need a new car and been renting cars to get around. I went to the branch and all they said was that there is no records of the deposit in my account, that there is no records of the check and that there is nothing they can do except for me to contact my 401k office and have them re-issued the check. So where did the check go? The teller did confirmed I was there and the check was deposited on that day. So many questions unanswered and all they recommended was call the manager on Tuesday XX/XX/22 because he's on vacation. Now who is going to give back all the time and money I have taken to deal with this situation. Now I have to wait another 3-4wks to get the new check delivered to my apartment in Ny, need to rent a car for another month and then I will have to take another day off from work to go to NY and pick up and deposit the check. This is the worst experience I've ever had with a bank. A bank that I have been using for more than 5 years and a bank that I trusted on!
Complaint sub-issue: Frequent or repeated calls

They called and said they are collecting for a debt with XXXX XXXX XXXX I advised I did not owe any debts with XXXX. I asked him for proof of the debt and avoided the subject and offered a settlement that was significantly lower then what he was collecting. I told him I would email back. 

I have had dealing with XXXX and I called them. They advised I had no outstanding debt with them. I gave them the date of the debt that was provided and they showed I had a loan with them 2 years after that. They also advised they would not have extended any offer of business with them with an outstanding debt. They advised me to request a validation of debt. 

I called them back and left 2 voicemails requesting a validation of debt. They stopped calling for almost 2 months. Then they started texting saying that I was ignoring them. Again I left another message requesting a validation of debt and they keep texting me saying I am being EVASIVE and they will FREEZE my accounts.
Complaint sub-issue: Company closed your account

Citi AAdvantage closed my account on XX/XX/XXXX the letter says they closed my account because of one or more late payments or a returned payment. I have not one returned payment on this account nor do I have a 30-day late. I have had late payments from the pandemic but not where I was even 30 days late I have had a good standing with this account And I have had it since XX/XX/XXXX. They are treating me unfairly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 Pursuant to issue 18 U.S.C 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 U.S.C 1681B 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 U.S.C 1681 4
Complaint sub-issue: Their investigation did not fix an error on your report

This is now my THIRD COMPLAINT to Equifax using CFPB and I will be compiling all my complaints and documents for submittal to upper governmental regulatory agencies to get justice.Despite two complaints, Equifax has chosen to leave data fields blank in regards to Outsource Receivables. Equifax has not been able to validate the debt nor post date of first delinquency data which would cause this negative information to be posted until the end of time. I will PERPETUALLY make complaints through CFPB until Equifax does what their are required to do by law. All their activity will be preserved for evidence of wrongdoing.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

{$1500.00} transferred to a bank acct fraudulently, on the same day that I spoke to teller at my bank about money transfers from XXXX and she told me only {$1000.00} possible a day. 

On hold now, no customer service available, been on hold for hrs. When I spoke to US bank person on the fraud line. ( Thought they would help me ), they transferred my call back to the reliacard no response number. I will not accept this! 

I have run for the US House of Representatives, and I am archived in the Library of Congress. This is criminal lack of care for poor victims of fraud. 

I will file criminal and civil charges against US Bank. I am Pro Se and IFP.

This is what fascism looks like XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

US BANK FROZE MY ACCOUNTS AND CREDIT CARDS. NO EXPLANATION. NOW ITS ON XXXX for 5 years without any explanation, I have not given any personal information out and have been at this bank many years. I need to know exactly what has transpired. thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX Email XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Both Equifax and XXXX  updated my credit report for the issue I previously reported with XXXX. Original issue was, XXXX added a statement 'affected by natural disaster ' ( COVID ) and then removed it causing a massive hit to my score. After the investigation, XXXX added the statement BACK to my report as well as 'Current '. 

Outstanding Issue : My credit score never went back up from that massive deduction on either reporting agency report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I advised the companies that my information had been compromised from me sharing personal information via texts. I had various unconsented and unrecognized inquires on my report. I sent out letters asking that they are deleted and explained the situation along with sending screenshots to the companies of the texts that compromised my information. They didn't send me any proof that I gave them consent to review my credit, nor provided any solid proof that the inquiry actually came from me since ALL of my personal information was compromised.
Complaint sub-issue: Problem making or receiving payments

Still have problem with the so called discover, I relly suggest them to pay a psycologist/ndeurologist for their employee since manuy of them are not even able to undertand what a internet/web banking is they want to operate on the internet but the web scares them too much, that's wy they have to transfer their company from the web to the physical store I have placed a complaint when the the checking account was blocked for one of their non sense reasons tI have added my passport and driver licence in their website page named " secure document upload '' but still they are not sure if I'm myself I have also contacted their executive office and they were at least able to write a send a email were they have confirmed that they were working to remove the checking account block for this bank managed by clown everithing is sospicious, if someone wants to update the email adress, tha 's a socspicious actvity, if someone has a phone number with a area code that they are not able to understand, that's a sospicious activity, if somone updates her mailing adress that's a socsicious activity, but the update bottom is there, so why the XXXX they have provded a update bottom if they consider everithing that was updated a " sospicious activity '', but 1 pasword is secure did they know that 10 passwords are better than 1, they are neversecure enought now the account is working but the ach transfers of funds from discover to the linked external checking account is disabled, so the account was not reinstated completely I want a fully working account and to ease their mind I tell them again, if a simple account update make them so nervous they have to remove the update buttom and they have to provide a fixed fileds online account, then the customers will choose if they want to use this bank managed by clowns or if they want to exclude them from the options I will now post a federal trade comission complaints also since they insist too much to receive complaints I WILL COMUNICATE WITH THE INTERNET, WEB IN WRTING ONLY, NO OPHONES HEREM PHONES ARE NOT AVAILBLE SINCE I HAVE ESTABILISHED FOR MYSELF THAT I WANT TO USE THE INTERNET BANKING AND NOT THE PHONE BANKING MAKE UO YOUR MIND, TO EASE YOUR MIND I TELL YOU AGAIN, I SIGNED UP FOR A ONLINE BANKING IS IT CLEAR ENOUGHT, OR PEHAPS YOU DO NOT UNDERSTAND ENGLISH I CAN PROVIDE A VOPY OF MY DOCUMENT ID IF NEEDED BY EMAIL, AND I CAN SEND THE DOC FROM THE EMAIL ADRESS REGISTERED ON THE BANK ACCOUNT!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX CREDIT Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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: Account information incorrect

XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. 

This is being reported to the credit bureaus and lowering my credit score. 

Please help.
Complaint sub-issue: Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00}
Complaint sub-issue: Information belongs to someone else

six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only XXXX who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.
Complaint sub-issue: Problem accessing account

I am trying to link my account to XXXX  and to XXXX but PNC doesn't allow linking to these 3rd party apps even with my authorization. I do not understand why. I would like to be able to use these 3rd party resources to help manage my money.
Complaint sub-issue: Information belongs to someone else

Recently I got engaged. My fianc and I are looking to purchase a home. As I reviewed my credit Reports, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as they are affecting my fianc and I from Purchasing our dream home. 

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 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 XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX  ;
Complaint sub-issue: Information is not mine

Equifax is not responding to my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Complaint sub-issue: Account status incorrect

Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting on my report.
Complaint sub-issue: Public record information inaccurate

I have sent XXXX, Equifax, and XXXX  Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.
Complaint sub-issue: Public record

This is this is the same complaint I had with XXXX regarding the bankruptcy law stating " when a debt is discharged ( chapter XXXX ), the creditor is '' forever '' barred from trying to collect it from you or reporting it to a credit bureau ''. The account was discharged on XXXX XXXX, 2009 when the Bankruptcy Chapter XXXX was discharged. The staff of these credit bureaus need more training regarding bankruptcy laws. 
Collections : XXXX XXXX XXXX - I sent them a copy of the statement showing XXXX balance. The agent I talked to from Equifax told me that according to XXXX the collection stands. I told her so you are going to take the words of the company instead of the documents I provided you. She said " YES ''. Not because the companies are paying for the services of these credit bureau does not mean we, the customer, has no say on the issue.That is not fair! And not right either!!
Complaint sub-issue: Reporting company used your report improperly

RE : 2018 Bankruptcy Case # : XXXX I am writing to dispute the following bankruptcy information in my file. Please remove my 2018 discharged bankruptcy information from my credit report. This is a direct violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy, and 15 usc 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates. Please delete now.
Complaint sub-issue: Deposits and withdrawals

I am unable to link my PNC account with 3rd party accounts ( rent collection websites, etc. )
Complaint sub-issue: Banking errors

Hello, I opened a Citibank checking and savings account on XX/XX/2020 in order to take advantage of a bonus promotion offering {$700.00} after completing tasks. The tasks were to deposit {$50000.00} in new funds into the account and maintain them for 60 days in order to earn the bonus. I met those benchmarks but Citibank is refusing to pay me the bonus.
Complaint sub-issue: Application denied

On XXXX XXXX or around that day, I applied for Citi Card at our local Costco store. The first time I entered the application online at the Costco store, the staff from Costco said I need to call Citi Cards. I did at that moment and they said it was denied because my XXXX XXXX did n't match. Costco membership had my old XXXX XXXX " XXXX ''. The representative on the phone from Citi Cards advised to have Costco membership change my name and resubmit new application for the credit card within the next 5 minutes. Which I did! This all happened in the matter of 20-30 minutes. 

I filled out a second application after my name was updated in Costco system. The second application again said I need to call Citi Cards. Which I did! The second time i called Citi Cards, the representative did not say anything but just said I will get a response in the mail in 10 business days. They do n't tell you " you are denied over the phone '' I understand. but when I received the letter from them, stating " Unfortunately, we ca n't approve your application. We reviewed your application and cant approve it because we could n't verify the accuracy of some of the information you provided. REALLY!!! 

I have ID theft protection on my credit reports, I have recently applied for other credit ( $ XXXX for a new car ) and was approved with NO ISSUES. When I apply for new credit ( normally ), the creditor gets prompted security questions they need to ask me before they proceed. The CITI Cards people just plain denied my application for " could n't verify the accuracy of some of the information you provided '' WHAT ACCURACY! maybe be more transparent over the phone and tell consumers what is going on!!!! 

I do n't know if CITI was plain lazy in proceeding with my application or there are some flaws in their system, but I find it OUTRAGEOUS that they are denying me for a credit card that charge almost XXXX % interest rate, while just a few months ago, I have been approved for credit cards with interest rate at XXXX %, and car loan at the amount of $ XXXX This is rigged. And on top of it, they will report me to the credit bureaus as denied because they did n't do they due diligence and XXXX me over!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are 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/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from XXXX XXXX