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

I opened this account through an invitation on my citi credit card account screen. 
I have a similar relationship with another bank, and had no reason to suspect any problems with citi. 
On XX/XX/XXXX. I started funding it conservatively, and I received an ATM card. My linked XXXX  checking Account was the source of most of the funds. I was also able to cash and deposit my citi credit card rewards. ( see attached ) Things seemed fine, so I continued deposits totaling {$40000.00}. ( no withdrawals ) My last deposit of {$10000.00} was made on Friday XX/XX/XXXX in the morning. That afternoon, my account disappeared from my Citi home screen, where just hours earlier, it had accepted a {$10000.00} deposit. I did not have any withdrawals and the ATM card was never activated. After pressing them, I received the attached email. When I called the number provided to ask questions, I spent hours on hold, and the only reply " Your account is under review, it will be closed in 30-60 days and a check will be mailed to you. I was refused an answer when I asked why it was under review. When I continued to ask questions, I was hung up on. Twice, on separate calls, I requested to speak to a supervisor, ( who was not available ) and told I would receive a call in 24-36 hours, and I should keep the line open. Neither call was returned. 
On XX/XX/XXXX, Citi Customer Service was able to confirm my correct balance in the amount of {$40000.00}. 
Today, XX/XX/XXXX, the first time i called, I was unable to obtain my balance information and again was refused answers to questions. The second time I called, my correct balance of {$40000.00} was confirmed. .I asked for my account number which was not provided. 
I never received the full account number, the ATM number and or my SS # were used to identify my account before refusing to give any information. Last 4 digits are XXXX. 
I believe citi enacted a new policy in their client manual on XX/XX/XXXX to address the mistake they made, Meanwhile, my {$40000.00} is being held hostage, with no explanation.
Complaint sub-issue: Charged too much interest

I made a balance transfer to pay off the US Bank XXXX XXXX XXXX ) credit card around XX/XX/XXXX. The transfer did not go through until XX/XX/XXXX or so. Because of the delay ( they ( US Bank ) admitted there was a delay of at least five days ). They charge me a late fee and additional interest on the old balance. In addition, U.S Bank has been misapplying the payment I've made between the purchase and cash balance accounts. I " been making many payment over the minimum amount, however the balance to the cash account kept going up. They said it was interest on the cash balance. I say it is because they did not apply the amount over the minimum to the cash account. The minimum amount can't be calculated with the previous months interest plus an additional amount or this would defeat the purpose of the law that says amounts over the minimum must be applied to the highest interest account. The cash account went up to over {$4000.00} and over the past couple of years ( ever since the card was transferred from XXXX XXXX to U.S. Bank ). The amount should be around {$2000.00} that I would owe. Now the balance transfer has gone through and there is a balance of about {$99.00}, however, I believe U.S. Bank ( XXXX XXXX ) owes me the difference on the misapplied, over the minimum payments to that account - about {$2000.00}.
Complaint sub-issue: Debt was result of identity theft

I informed TRS recovery services that they were attempting to collect on identity fraud and they responded by dunning me. At some point they also sent me an egregious letter demanding personal information such as my social security number, bank account numbers, etc. I ignored this request as unfounded, especially since it came after the notice from me. I can locate that document if necessary. 

In addition, they are back dating their letters to make it appear longer periods of time between responses. There are no postal XXXX on their envelops but they are sending by USPS. They are sending letters to my office at the name XXXX XXXX which does not exist. They did not include a suite number. The later letters was sent to XXXX XXXX still at my office. They don't even know who they are attempting to collect from! 

I am sending a second letter ( certified mail ) to them informing them of the identity theft. This was reported to all of the credit bureaus and I requested my accounts locked. 


Letter Dated Received XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX ME TO XXXX Deny per Fraud XX/XX/XXXX FAX Proof of Delivery XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 dXXXX On XX/XX/XXXX I received another phone call from this company.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX -reported late payments during COVID Discover - Late payment
Complaint sub-issue: Their investigation did not fix an error on your report

I have repeatedly disputed erroneous information on my XXXX   credit report that has adversely affected me and my credit worthiness. XXXX XXXX XXXX has re-inserted an account that was previously deleted by XXXX due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with XXXX   and the CFPB directly, which has still not resulted in acceptable resolution. XXXX is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for XXXX XXXX XXXX ( XXXX ) has the following issues with their reporting : 1. Clear violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2. Creditor classification is listed as Banking - XXXX is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that XXXX is verifying this information and it's accuracy with the original creditor then? 
4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with XXXX 5. Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is PRA verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from XXXX! 
7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted. 
8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per XXXX 's own reporting. This should be deleted.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a new checking and savings account with Citibank NA with a promotion saying I'd get XXXX $ for depositing {$15000.00} and an additional {$100.00} for direct deposit activity. I also received a notice saying if I performed a certain number of bill pay and and debit card transactions I would receive XXXX XXXX XXXX miles. 

I opened and funded the account on XX/XX/XXXX. On XX/XX/XXXX I received an email confirming I had the XXXX miles promotion attached to my account and told me what debit card and bill pay activities to complete. Then, on XX/XX/XXXX I received confirmation that the {$500.00} promotion was on my account and gave me instructions on seperate activities to complete to get the {$500.00}. On XX/XX/XXXX, I went into the bank to ensure I had performed the correct activities and the teller confirmed my balance and said I would qualify. 

As a result I left over {$15000.00} in a new Citi checking account. On XX/XX/XXXX, I was told I had both promotions correctly on my account and met criteria but would need to wait for the miles and dollars to be credited. I then confirmed this again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to follow up so many times because each time I was told I'd receive the XXXX $ bonus a different date. I finally escalated the issue and was told on XX/XX/XXXX a case would be opened, I was told that case was resolved in my favor and I would be credited {$500.00}. I kept over XXXX dollars in my account this whole time to be sure. 

Then XX/XX/XXXX - I was sent a letter with no explanation saying I would no longer receive the {$500.00} after I repeatedly left funds in the account because Citi confirmed I would receive the bonus. They lied about a promotion to gather deposits to support their bank at customers expense.
Complaint sub-issue: Account status incorrect

I have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Complaint sub-issue: Debt is not yours

I got a debt medical collection on my credit report now from XXXX had a car accident in XXXX  and we never recieved bill of this amount. My lawyer paid every single bill I had. I did not recieved any bill of this amont ever and I called the collection to send me detailed bill, they never sent me. My lawyer paid of around {$37.00} other medical bills.
Complaint sub-issue: Personal information incorrect

I have reason to believe that Equifax and YES XXXX XXXX XXXX XXXX  have violated my rights as a consumer and incorrect information as far as addresses
Complaint sub-issue: Account status incorrect

Ally Auto Financial is reporting a 30 late payment history on credit report with all 3 bureaus. It  has reported previously XX/XX/2019 then changed to XX/XX/2019. In addition to that, they have listed incorrect payment dates. I have attempted to resolve by both phone and mail with the company. I spoke with a customer service reps between XX/XX/XXXX-XX/XX/XXXX and was informed that they could only " go back 3 months, they would submit the review request but would be unable to verify anything being it had been over 3 months since it had been reported ''. They then sent a letter saying upon their " investigation '' it was correct but then coindentally there was a change on my credit reports of the 30 day late payment from XX/XX/2019 to XX/XX/2019. I have been trying to resolve the matter and get my credit report corrected for this account but this company refuses to do so. I submitted in writing as well and provided documentation to them of payment confirmations of original payment date.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # : 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: Other problem getting your report or credit score

This is a complaint against Equifax. It is an emergency and you are part of the solution. What happens to my credit report that I can not access it? No creditor either? I have been trying to find a solution with the special affairs department for a week and they have been very supportive of me but there is no solution. This complaint goes directly to the technical support department and the department that issues the credit reports. This situation has me very stressed, I demand that this problem be solved now. Please look forward to a quick response. Or you are breaking all Credit Reporting Act ( FCRA ) laws, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Complaint sub-issue: Public record

We. File. Bankruptcy. In. 2011. All. Been. Cleared. XXXX. It 's, from. Equifax. A. Credit. Card. For. XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

My wallet was stolen and in my wallet was my license, SS Card, a XXXX by XXXX XXXX credit card, both a XXXX credit and debit card and my Discover Credit card. I called Discover notifying them of unauthorized charges on this card and that my wallet was missing. I asked for the card to be locked and a total of {$1700.00} worth of transactions were disputed. I explained to Discover that the thief was making unauthorized purchases with a stolen credit card.. The transactions consisted of out of state purchases and unauthorized online transactions. As of XX/XX/XXXX Discover is holding me responsible for all out of state and online purchases. I have contacted merchants and have received details of the online transactions ; they are made from email addresses that DO NOT belong to me. The email addresses are ; XXXX, XXXXXXXX XXXX XXXXXXXX My Discover was stolen and used to make unauthorized purchases from XXXX XX/XX/XXXX. The law states that : " Under a 1978 Federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. Since Reg E was written well before payment apps existed, the Consumer Financial Protection Bureau last year issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission- were the bank 's liability. But despite the updated guidance, banks in many cases are refusing to refund customers who claim - often with supporting documentation - that money was stolen from their accounts.
Complaint sub-issue: Reporting company used your report improperly

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, some of these accounts, are also in violation with the statute of limitations here my state of Texas. 

I went ahead and attached screenshots I took from XXXX XXXX where I highlight all the violations on every single account. 

-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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

The. Information on the credit report is inaccurate, I have tried many times to resolve the issue and to no avail a solution has not been implemented.
Complaint sub-issue: Their investigation did not fix an error on your report

All three credit bureaus are reporting erroneous information in my credit file. I sent a request to each credit bureau to reinvestigate all alleged collections. It's been over 4 months and I still haven't received any response or anything. These alleged accounts does match either credit bureau account statuses. These accounts are definitely errors and erroneous and it is hurting my scores and reputation. I want them removed immediately.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have a XXXX school loan with Sallie Mae. For a student that just came out of school about 2 years ago, and started working in Covid, and as a XXXX XXXX. Sallie Mae charges over 500 monthly payments as just interest payments, which is difficult to pay when you have other bills such as rent, car payments, etc. I have tried to explain to them that XXXX dollars per month are an absurd amount to pay monthly for a loan, if it was a reasonable price such as XXXX dollars I would be able to make payments. Due to not being able to make consistent payments of XXXX dollars monthly, they constantly threaten to put my loan in delinquency which would go on my credit report and further damage my credit for years. They are causing me to go into debt because they do not work with their customers to provide options to stay afloat on payments. Sallie Mae 's representatives are rude and don't make many options to help you finance your loans. One representative was very judgemental, and when going over my monthly payments and rent, told me that I shouldn't be paying that much in rent knowing I had to pay loans back, and because of my annual income. I live in XXXX, rent is expensive regardless of where you are. During Covid, they only gave a 2-4 month delay in payments, but still charged interest. Which is so horrible, especially knowing how difficult it was for people to have a difficult time paying back loans. Sallie Mae is the worst loan company, and I wish I knew this prior to taking out a XXXX loan with them.
Complaint sub-issue: Threatened arrest/jail if do not pay

left a message telling me the police would go to my home and my job to arrest me
Complaint sub-issue: Information belongs to someone else

I been trying to get this wrong info off my credit for a long time but the credit bureaus arent helpful. Please help
Complaint sub-issue: Debt was paid

In 2016 I ordered an item from the XXXX XXXX XXXX. I received the item in the mail and didn't like it. I returned the item as per instuctions right away. Right after that XXXX XXXX kept notifying me that I owed them {$88.00} for the item. I kept telling them that I had sent it back to them for a return. This whole incident is now 6 years ago. I now get a letter from a collection agency stating that I still owe XXXX XXXX {$88.00}. 

I returned that item back to them now 6 years ago. I do not owe this debt to anyone.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I received a phone call from US bank fruad department informing me that my account will be closed due to fraud activity due to a XXXX XXXX XXXX bank transfer of XXXX from my daughter. I was told my account will be closed And it can take up to 90 days to close the account to receive my remaining balance funds through mail. on XX/XX/XXXX i went to my local US bank branch with my daughter and her valid ID and social security card to prove my innocence and to show them that the transfer was done by her and they told me there was nothing they could do my account could not be reopened. on XX/XX/XXXX my account was officially closed and I was told i would receive a cashiers check in the mail in 10 Business days of my remaining balance. it has now been past 10 days so I call my local US bank branch and they tell me my funds have not been released due to an ongoing investigation with my account even though my account is fully closed. its been over 3 months and I havent received any of my money back that I was wrongfully accused of stealing. This is not fair and not right I am at wits end me and my family are really counting on getting this money back! 


I attached 3 documents of my daughters XXXX XXXX XXXX bank statement showing the XXXX transfer, another document proving her identity with photocopies of her license and social security number front and back also a picture of her bank debt card that she used to make the bank transfer with.
Complaint sub-issue: Didn't receive notice of right to dispute

I Have and Account Overdrawn {$360.00} With XXXX XXXX For A Transaction From XX/XX/XXXX that i did not do and XXXX XXXX has not Remove the Charge and The Account Has A Negative Balance For A Transaction From XXXX XX/XX/XXXX XXXX..
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2021, I have been trying to get the personal consumer statement on my personal credit file removed. I have spoken with several Equifax representatives who state it would be removed in 30 days but, the consumer statement still remains. I just recently spoke with the representative by the name of XXXX, and he stated that I needed to submit my documentation once again. Besides speaking with multiple representatives, I have sent letters, one certified, with my documentation and still no results. I have called XXXX  and XXXX  and they were able to remove the personal consumer statement over the phone right then with no issues.
Complaint sub-issue: Debt was result of identity theft

I found out of this when I try to buy a house for the first time that I have a dept of XXXX XXXX from a apartment complex in Texas that I rent in XX/XX/XXXX when I never been in that state I ask for the information about the collection and in the contract of the lease of the apartment there is people that I dont know saying that they are my brother in law and I dont have no brothers in law because my wife do not have any brothers. I report and identity theft because that person is not my self because he is working on that state and I live in Colorado seen XX/XX/XXXX. I report to the IRS the identity theft. I make police report. I report to the social security Administration. Y make a report in the federal trade Commission and I reported to the immigration agents and ice.