Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

This falls into the fraud categorie, I was in XXXX  from XX/XX/XXXX and was released on XX/XX/XXXXso somebody use my information to obtain cable tv service.
Complaint sub-issue: Used obscene, profane, or other abusive language

Tried to contact them about issues they dont care still saying pay and this isnt my bill! Fraudulent activitys also the price goes up every day with this company! Every time I call they add more to that account! Why they wont free my name? Let me go! The company has no rights to charges through fraudulent activities! The customer service keeps calling saying bad things not caring to anything I say! Very mean and not professional about there business! They just trying to XXXX who they can! Online activities thats pushed through fraudulent activities they should be sued
Complaint sub-issue: Reporting company used your report improperly

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: Company closed your account

Hello, I had a discover credit card for several years and it was unexpectedly suspended on XX/XX/XXXX. When I called customer service to inquire about the reason, I was informed that they needed to verify my income and that I needed to sign tax form 4506-C to obtain tax return information from XXXX and XXXX. When I asked about the reason for this sudden inquiry, they refused to give me a specific answer and also refused to tell me how long the process might take. I signed the form as requested. I followed up in few days and I was told by the agent that I needed to refill the form and to leave a certain line blank. I was reassured that the corrected form will be used. I also offered to provide more documentation to help facilitate the process and explained to the representative that I had started a higher paying job few months ago and that I am willing to share paystubs or employment contract as proof of income. I was told that was not necessary. Few days later ( XX/XX/XXXX ) I noticed that the mobile app access was resumed but the account was still not active. I had not been notified of any updates from discover. I called customer support and I was informed that my account was closed and they refused to tell me why. I requested to be directed to a supervisor to file a dispute and I was denied that opportunity. I received an email afterwards which states they were not able to verify my income and that my account was closed. 

I have good credit score with excellent financial income and I had never missed a payment. I have always paid my full balance and made a conscious decision to pay my balance in full to avoid paying interest ( which makes me question the motive behind this account closure ). It is distressing to be treated so disrespectfully like this, let alone the financial consequences that this will have on my credit score for a long time. The company was dismissive and made no efforts to follow up, provide updates, or accept my offers to provide additional documentation. Reading other complaints, this seems like a common predatory practice that discover does to close unprofitable accounts.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.
Complaint sub-issue: Investigation took more than 30 days

Per the Fair Credit Reporting Act, they had 30 days to verify my disputed items. They received my certified mail DISPUTE on XX/XX/2020, therefore, they had until XX/XX/2020 to respond to me. THEY DID NOT, thereafter, I corresponded with them again via certified mail on XX/XX/2020. They have yet to clear my account and are consequently in violation of a FEDERAL LAW. Their time frame to investigate DID NOT begin when they received my second certified mailing. It began, PER THE LAW, when they received my first communique, as verified to be XX/XX/2020.
Complaint sub-issue: Can't close your account

I have a mastercard from Citi that requires an annual fee. As Citi removed feature after feature from the card, I finally realized a card with a fee made no sense. So, I applied and got a new card and started what I thought would be a straightforward cancelation process - especially as I've already told Citi I wasn't happy with what they were doing. I started documenting my card cancelation process with Citi ( via their chat feature ) on XX/XX/2020. This was not the first time I tried to cancel the card this year. On XX/XX/XXXX, Citi ( XXXX ) responded that I had to call Citi. My chat session shows that I had tried to call, but that the calls disconnected multiple times. I waited, not wanting to expend the amount of time Citi might require, but I tried again on XX/XX/XXXX. No success again and I went the chat route to find out when a good time call might be. I was told Citi could be reached 24x7. Still, I waited. Not wanting to deal with the Citi unpleasantness, but knowing I really didn't want to have an annual fee assessed on me again. So, XX/XX/XXXX. I called again. I waited 37 minutes. And, the line got disconnected. Again. I had the idea that perhaps I can mail back the credit card I'm trying to cancel. The next chat person ( XXXX  ) said that I could not and proceeded to school me that we have a pandemic!! 

Bottom line : What I see is that Citi has made it impossible to cancel a card. My annual fee isn't huge, but I want to save every dollar I can and Citi is not allowing that.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY CREDIT FILE.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. The thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : 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****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent in multiple letters to this company regarding verification of this debt and have n't received proof of debt nor a contract The credit bureau continues to input this account on my report as verified and I do n't have any proof nor does the company have any contract with me i have sent certified mail to this company requesting proof and no response this is ruining my credit i would like the credit bureau to remove this inaccurate information Account : XXXX XXXX XXXX Amount {$500.00} Date : X/XX/17
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/2019 I called the reliacard services phone number XXXX   to ask them why I had not recieves a XXXX  XXXX  check in 2 months they informed me that I had recieved XXXX  XXXX payments they read them to me they equaled around {$1000.00} I told.them them that I did not want to use their card company anymore because someone took money off my account before about a year ago. Of that {$1000.00} I only got {$23.00} because someone else took all that money so that means that means that someone somehow got a duplicate card I dont know how that is XXXX  but they did it so onXX/XX/XXXX I changed the pin number I thought that they would take care of the situation then on XX/XX/2019 I called to see what was on my card and to see what payments were made because I hadn't used my card since XXXX. When I called XXXX  XXXX  they said that these payments had been made to the card XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} I had not used my card in all that time so I should have had almost {$500.00} on the card so I ordered a new card and had it Express delivery for {$15.00} when I got my card I only had {$63.00} on it so where did my money go? They have no answer for me.they are supposed to be a secure company so why do I keep getting my money stolen? That is nearly {$1700.00} and I haven't seen a penny of it. Where is my money?

I hope you can help
Complaint sub-issue: Information belongs to someone else

This is my fourth time disputing these accounts with the bureaus as well as the furnishers I am a victim of Identity theft and these accounts were not opened by me signed by me or approved by me. I have sent multiple letters from XXXX to no avail. I need this taken care of as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ON XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Public record information inaccurate

XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of 2020, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible.
Complaint sub-issue: Don't agree with the fees charged

My loans are serviced through AES. I schedule my payments every month to be taken on the due date. ( please not that my loan payment has gone up every single month even though I pay on time ... so really ... whats the point anymore? ). I received an email stating that my loan was late. This concerned me because I knew it was scheduled to come out on the due date. I checked my bank account and the payment had been taken out. Confused, I logged into my account. On the account summary you can see where my payment was scheduled to come out on XXXX/XXXX/XXXX, the amount fully came out on XXXX/XXXX/XXXX from my account and yet this day ( XXXX/XXXX/XXXX ) the summary page said it was delinquent and had not been received. I emailed AES and their response was : " The payment in question has been located and a request has been submitted to have the payment applied to your account. Please allow up to 10 business days for this request to be processed. We apologize for any inconvenience this may have caused you.

Although the payment has been located and a request has been submitted to apply it to your account, I must advise you of the delinquency on the account until the payment is applied.

As of the date of this email, your account is four days past due for {$190.00}. Late fees may be assessed if the delinquency continues on your account. You may receive calls and letters regarding the delinquency until the account is current. We report the status of your loans to the nationwide consumer reporting agencies each month. '' HOW DOES THIS MAKE SENSE? They have also been calling my co-signer AFTER my payments are made and show that they are made and telling her ( my XXXX old grandmother ) that my payments are n't being paid. SOMETHING is wrong with this company ...
Complaint sub-issue: Debt is not yours

This is not mine. I have never been to XXXX XXXX in my life, don't even know who or where it is. There has been a fraud alert placed on credit report and this company is damaging my life and breaking the law
Complaint sub-issue: Information belongs to someone else

I have hard inquiries from car lenders that I did not apply to or give any one permission to use My social security number.
Complaint sub-issue: Problem making or receiving payments

X/XX/17 - ACH Payment made thru XXXX XXXX for rent payments in the amount of {$200.00} and {$43.00} X/XX/17 - XXXX XXXX account shows payment applied. X/XX/17 - KeyBank available balance reduced by {$200.00} and {$43.00}, however transactions DO NOT appear, funds are simply " removed '' X/X/17  - Keybank available balance increased by {$200.00} and {$43.00} X/X/17 - XXXX XXXX receives returned funds and charges my account with 2 {$20.00} NSF Fees X/X/17 - Keybank claims account NEVER was reduced by {$200.00} and {$43.00} - no attempts to ACH ANY funds were ever made by XXXX. Claims I am incorrect and funds were NEVER removed.
X/X/17 - Attempt # 2 - {$200.00} ACH Payment made thru XXXX XXXX for rent payment in the amount of {$200.00} X/X/17 - XXXX XXXX  account shows payment applied. X/X/17 - Keybank available balance reduced by {$200.00} - however transaction DOES NOT appear, funds are simply " removed '' - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$200.00} - {$200.00} ACH has once again been returned to account, Keybank claims no funds were ever removed from XXXX and balance on my account has been {$200.00} since X/X/17 - yet everyday I checked from X/X/17 thru X/X/17 - Available balance had the {$200.00} payment removed - no transaction showing as to who was holding it - and XXXX to charge another {$20.00} NSF Fee
Complaint sub-issue: Threatened or suggested your credit would be damaged

Based on the process of elimination and making connections between previously submitted reports to the Consumer Financial Protection Bureau, Federal Trade Commission, Federal Reserve XXXX Department of Homeland Security, Immigration and Customs Enforcement, Federal Bureau of Investigations , Central Intelligence Agency, Equal Employment Opportunity Commission, Office of Special Counsel, Attorney Generals, Department of Health and more, Fiserv is suspected of engaging in severe prohibited business practices. 

During on-going investigations I was met with what appeared to be severe and unrelenting interference from unconfirmed and unidentified sources that repeatedly compromised my safety and security. Based on claims submitted and the documents reviewed, I believe Fiserv is involved and has been monitoring me without my authorization and consent. 

XXXX search results yield XXXX XXXX an alleged client Project Manager for Fiserv. A person with this same name claimed to be a XXXX  claims representative subsequent to a XXXX XXXX  accident. Is the XXXX Claims Representative XXXX XXXX the same person that serves as a Client Project Manager for Fiserv?
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Said they havent received any paperwork from me to correct errors and the reported inquiries are not authorized.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 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: Company closed your account

I have been a member of this company since XX/XX/XXXX, with an extended credit limit of XXXX, they have reduced my limit to XXXX ( which I wasn't happy about but I let it slide ). Now today XX/XX/XXXX i am being informed that both my Credit card with Card Member Services has been shut down, for no valid reason. I have NEVER been late on a payment. I also make big chunks of payments of XXXX here and there to reduce the utilization from time to time. ( see documents attached to prove ). When they told me the reason they said i was a credit risk. they have fraudulently checked my credit report which is a violation of my rights and never gave permissible purpose. FCRA 1681 usc ss 604 states that! they did not give me any warning what so ever. regardless i have great credit and they broke the law. i will also be filing a XXXX  complaint against the company for mal practice. them shutting down my card put my credit in a bad situation and i will seek litigation action. i have been using their cards for over 2 years. that was just one card. they also shut down my us bank card with a limit of XXXX. when i tried to go to the store and swipe my card it was declined which was embarrassing. come to find out my us bank card is matched with card member services. it was both a XXXX cashback card and a us bank flex perks card. they shut both of them down because they said they check my credit score ( without my authorization or permission which is a violation of my privacy right and the law )
Complaint sub-issue: Information belongs to someone else

I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX # XXXX ( XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

i changed my card due to wear and tear. i got my new card with a different cvv - it had allowed me to use the card upon activation to withdraw XXXX. I proceeded to do another withdrawal but i get a message on the machine error XXXX as the response code. I went inside citibank and they said my account looked fine and issued me with a temp card as they order a new one. i then started to use the card to see if it worked withdrawing money and i got the same error XXXX, I went back inside the bank and they called the security department who told the manager of the bank that my account is under review. they told me that i had to wait XXXX XXXX to make a decision. i am scheduled to fly out on saturday -.and have no funds to go to my mom 's funeral. in the interim i am unable to withdraw or do anything
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Best Regards, XXXX XXXX XXXX
Complaint sub-issue: Non-sufficient funds and associated fees

XXXX charged my bank account {$1100.00} instead of my credit card ( XX/XX/XXXX ). 
My bank account only had {$820.00}. 

But even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank processed it as a normal transaction and my account got into the negative ( XX/XX/XXXX ). 

XXXX tried to issue a refund for it because it was done by mistake and the merchant issued a refund right away. However, they couldn't issue a refund because the eCheck didn't clear as I didn't have enough balance in my account ( XX/XX/XXXX, they originally told me that my refund would be issued by XX/XX/XXXX ). 

So even though I asked Citibank to reject every transaction that is more than what I have in my bank account, Citibank just processed it and charged {$1100.00} to my bank account, then the check bounced and I got my money back ( XX/XX/XXXX ). 

However, Citibank still decided to charge the {$34.00} fee. I wanted this to get reversed as I originally asked Citibank to do so last time when I called them but they ignored. However, when I contacted the customer service they refused my request ( XX/XX/XXXX ).
Complaint sub-issue: Problem with balance transfer

XX/XX/XXXX bank transfer from us bank to citcard XX/XX/XXXX I recieved a letter stating invalid account status and ineligible account status XX/XX/XXXX called us bank. They stated that I closed the account which i never did. 
no call no information for over 10 days. I thought everything was fine. turns out someone cancelled the bank account meaning transfer never happened. 
XXXX was charged to me in interest by XXXX XXXX  as i was going to pay it off. They reoppend my account on XX/XX/XXXX and made the transfer late. I also had to pay the {$420.00} transfer fee on top of their mistake. Meaning im out {$740.00} Still to this date no one knows why it was closed and by whom. If i was notified in a timely manner or left a message, call or email this could have been avoided and I could have gone somewhere else for the loan. 


I have copies of all the paperwork with me
Complaint sub-issue: Problem making or receiving payments

Citi Bank offered a sign up bonus of {$700.00}. I opened and funded the account. Kept required balance in for the XXXX plus XXXX days - they did not pay the bonus. Called them multiple times to no avail. Now at over XXXX  months since opening. I want my {$700.00}. I have withdrawn most of the balance and want my bonus and to close and never deal with them again
Complaint sub-issue: Information is not mine

XXXX 2014 unpaid for {$37.00} I have never had any XXXX Service in my life please fix this problem