Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I had 3 fraudulent charges on my Citi card which I disputed on XX/XX/2021. The first 2 fraudulent charges Citi resolved and credited back to my card. The 3rd charge for {$250.00}, which went to a XXXX account, Citi said they needed to investigate. 

On XX/XX/XXXX Citi reached out to me with a response from the vendor and said I needed to sign a form saying I did not benefit from the transaction and it was not authorized by myself or anyone authorized to use the card, which I signed and returned on XX/XX/XXXX.

As I check my Citi account, there is a message dated XX/XX/XXXX saying that Citi has concluded they're investigation and found I'm liable ( apparently the vendor provided a fraudulent receipt and Citi didn't ask me for any followup regarding the misinformation on that receipt ). 

I'm baffled how Citi can conclude I'm liable before I had even sent back the affidavit affirming that I didn't make this charge, and without following up regarding the receipt the vendor sent which lists an email that is not mine, a fake receipt web address, a fake storefront web address, and a purchase for " furniture '' from a store in Michigan while I'm in Pennsylvania and there is no shipping or tracking information. 

Citi has reapplied the {$250.00} charge to my account which is showing on the outstanding balance. I will not be paying this amount, and am seeking resolution from Citi.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

shows multiple credit inquries on my credit report which I don't know nothing about. and I tried disputing multiple times but no help. and my there 2 account in collection one in XXXX and 2nd XXXX XXXX XXXX XXXX i didn't open these account or had any knowledge about these account these are fraudulent accounts
Complaint sub-issue: Information belongs to someone else

I am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my Equifax, XXXX, XXXX consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XXXX  XXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX  XXXX  Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XXXX, XX/XX/XXXX,, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The Fair Credit Reporting Act, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed onXX/XX/XXXXXXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago
Complaint sub-issue: Account information incorrect

As a result of my contact with Macys corporate office of spite they reported my credit limit lower than what it was and its hurting my score. My credit limit was {$5000.00} and they are showing it as {$100.00}. COMPLETE XXXX!! According to the FCRA..reporting should be FAIR accurate, complete and verifiable. HOW IS THIS FAIR?!? This is grounds for a lawsuit. You changed my limit after i requested the account to be closed! 

There was a discrepancy in my address. I asked the agent to update it and they didnt so i didnt receive the bill. 

Macys refused to remove late fees even after they determined it was THEIR fault. My account was closed by a corporate agent who ALSO changed my credit limit with ALL three bureaus after they closed the account. THIS IS ILLEGAL!! 

By law ( FCRA ) you are required to report accurate information. MY credit limit was NEVER {$100.00}. 
you intentionally hurt my score out of discrimination towards me.
Complaint sub-issue: Information belongs to someone else

Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of the following account XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I made a {$59.00} purchase at Best Buy on my Best Buy Credit Card. In XXXX I made a {$30.00} payment. In XXXX I made another {$30.00} payment. I thought I had a credit of {$1.00}. XX/XX/XXXX I receive a collections letter from Citi Bank asking me to call. On XX/XX/XXXX, I try to access my online account to see what's going on and I'm locked out of my account. I call. I am transferred and put on hold repeatedly, spending over an hour trying to sort this out. I am told by 5 different people that my last payment incurred an interest charge and a late fee and then repeated late fees for the late fees. All the while, I have no idea. I never received a bill in the mail or via email. They told me I was signed up for online billing ( did not knowingly elect that ) which means, I have to go onto my account to see what is on there. Here 's the catch - if you're late, they lock you out of your online account. So I believe I have paid for my item and in fact, have a credit balance - meanwhile, they are charging me interest and late fees and I have no way to know that because they don't notify you and you can't access your account that they lock you out of. On top of that, why would a consumer even check their account in the first place when they haven't purchased anything with that card and last they knew, had a credit? I have paid them and closed my account effective today XXXX XX/XX/XXXX ). However, I am complaining to you because I want action for corrupt business practices. This process is corrupt and the intent is to fleece consumers. This needs to be stopped. I will never purchase anything from Best Buy again and I will not elect to do any additional business with Citi Bank.
Complaint sub-issue: Deposits and withdrawals

On today XX/XX/XXXX, I went to my bank to withdraw funds that were deposited from the SBA small business loan that I was approved for. 

Everything was fine, the teller asked me how I wanted my bills, and while she was counting, the assistant branch manager, placed a hold on my funds at that very moment. 

The assistant started asking me if I even had a business and that she needed to see proof of my business in order to release my funds. 

I called customer service and they were not familiar with any policy requiring a customer to prove they have a business before withdrawing funds and that the assistant branch manager had just placed the hold on it when I was sitting waiting on the bills to be disbursed. 

I was racially profiled and denied access to my funds and they will not release my funds until I show proof of my EIN and business license. 

The bank didnt provide my loan and I dont feel comfortable providing my business information on a personal account. 

This is unfair treatment and I am certain illegal practice. 

The assistant manager refused to provide the branch managed phone number or any other phone number to allow me to dispute, escalate, or file a complaint.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : The XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

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

This DSNB MACYS XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

DSNB MACYS XXXX
Complaint sub-issue: Account status incorrect

XXXX  XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX  XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXX/XX/XXXX {$4200.00} XXXX   XXXX XX/XX/XXXX {$4200.00} XXXX  XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX   XX/XX/XXXX {$1300.00} XXXX  XXXX XX/XX/XXXX {$870.00} XXXX  XXXX had a lawsuit in XXXX.

The for-profit company that operates XXXX  XXXX Colleges in XXXX, XXXX  and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for 3,389 former Kentucky students.Kentucky Attorney General XXXX  XXXX and other attorneys general Monday announced a settlement in which XXXX   XXXX XXXX. will forgive {$100.00} million in outstanding loan debt held by more than 80,000 former students.

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion.

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness.

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} million in loan forgiveness to 5,530 Indiana students of XXXX  XXXX College and XXXX  XXXX   XXXX, i also did not receive my {$1300.00}. Due to this XXXX  XXXX  closed my accounts but did not remove them. I would like them removed also
Complaint sub-issue: Fee problem

CALLING INTO RUDE UNPROFESSIONAL CITI BANK ONCE AGAIN I HAVE TO DEAL WITH SOME INCOMPETENT PHONE PERSON. I CALLED IN TO SEE AB OUT WHY I WAS CHARGED A XXXX DOLLAR FEE FOR A XXXX DOLLAR MONTH. I TALKED TO XXXX WHO ARGUED WITH ME ON THE PHONE ON XX/XX/2020 @ XXXX XXXX XXXX BEGAN TO RANT AT ME TELLING ME THAT I SHOULDN'T HAVE LET MY ACCOUNT GET TO XXXX AND I NEED TO KEEP MONEY IN MY ACCOUNT DICTATING TO ME WHAT I SHOULD AND SHOULD NOT DO IN MY ACCOUNT. THEN TAKING THINGS FURTHER TO SIT HERE AND OVER TALK ME AS IF I WAS A CHILD. THEN WHEN ASKING TO SPEAK TO HIS SUPERVISOR HE WANTED TO SIT THERE AND LAUGH AND BE ARGUMENTATIVE EVEN FURTHER AND KEEP INSULTING ME TELLING ME THAT I SHOULD HAVE KEPT MONEY IN MY ACCOUNT AND TO FURTHER INSULT ME HE REFUSED TO TRANSFER ME TO A SUPERVISOR AND THEN CONTINUED TRYING TO OVER TALK ME AND LAUGH AND TELL ME I SHOULD HAVE KEPT MONEY IN MY ACCOUNT. JUST XXXX   CONTINUED SERVICE FROM CITI BANK. AT THIS POINT I WILL BE FILING A SMALL CLAIMS AGAINST THE COMPANY AND SENDING THEM PROPER NOTICE AS OF TODAY. I AM SICK AND TIRED OF THESE XXXX BAD ENGLISH SPEAKING FOREIGN LOW UNPROFESSIONAL PEOPLE ON THE PHONE THEN THIS XXXX WANTS TO SIT HERE AND JUST HAVE A ARGUMENT LIKE WE'RE TWO PEOPLE ON THE STREETS IM SICK OF CITI BANK 'S HORRIBLE CUSTOMER SERVICE. I WILL NOT TOLERATE THIS ANY FURTHER.
Complaint sub-issue: Company closed your account

Citibank closed my credit card of 5 years without any warning or reason. I have never had a late payment on the card and ensured it was properly managed. This adversely affected my credit score since it was the only credit card I had and wiped out my entire credit history. I am trying to recover on the shock on my credit score. 
On a separate note, I got a mail that they'll be closing my checking and savings accounts but nothing on my credit card, for no reason! However, while inquiring from one of the branches, I was told it could be because I have family in XXXX which is a high-risk country. I was also told my bank contract has a clause that the company can close my accounts without any credible reason. However, discrimination should not be allowed on any level. This is a big discrimination, as I have this account since my student days and when I got a full time job. On no occasion, did they give me a credible reason why they would closed my checking/savings accounts and did not have the courtesy to warn me before closing my credit card.
Complaint sub-issue: Talked to a third-party about your debt

IC Systems collection agency has been harassing multiple family members ( including my brother, and elderly father ) on many occasions. On one occasion my father was with me and passed me the phone, i explained to the gentlemen on the phone that the number he is calling is not mine and my fathers and to stop calling it and he hung up on me. I called again, and spoke to a women who said they would take my fathers number off file. They still call my father almost everyday. Harassing an elderly man for no reason, demanding him to put me on the phone to speak with them. I have also on more then one occasion told this company not to call me anymore or send letters, since they wished not to settle an amount with me. I explained if they didn't wish to settle then there is no reason to keep calling me. They send letters to my house every single week. It absolutely insane. I called once from my work phone to speak to someone about settling and now they call my work phone! So unprofessional, this is beyond the point of harassment.
Complaint sub-issue: Credit denial

On XX/XX/XXXX I was denied credit from this finance company called ally financial I tried to finance it through XXXX of XXXX I would like to impose that adverse action has occured after the denial of credit also they're in violation of 15 USC 1681b & 12 CFR 1002.7 as a creditor shall not refuse to grant an individual account to a credit worthy applicant on any other prohibited basis which means even if I have a low credit score no matter the circumstance I shall not be denied credit they're also in violation of 12 CFR part 1002 Equal credit opportunity act ( regulation b )
Complaint sub-issue: Public record information inaccurate

XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.
Complaint sub-issue: Account status incorrect

The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when i found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to Equifax to request the contract because they will not provide to me. Equifax went and updated a closed account as delinquent when it was paid off in XX/XX/2019 and dropped my credit score XXXX points.. This is wrong and how are they reporting an account delinquent when its been paid off and closed since XXXX.
Complaint sub-issue: Attempted to collect wrong amount

CONN'S APPLIANCE HAS RECEIVED ALL THEIR MERCHANDISE FROM ME. CONN'S TOLD ME THAT WHEN THEY PICK UP THE MERCHANDISE THAT THEY WILL ACTION OFF ALL MERCHANDISE AND THAT I WOULD HAVE TO PAY THE REMINDER BALANCE ON THE ACCOUNTS. ONE OF THEIR EMPLOYEES THAT CAME AND PICKED UP MY MERCHANDISE STATED THAT CONN'S DOES NOT REALLY ACTION OFF MERCHANDISE THEY JUST THROW IT AWAY AND SAY YOU OWE THIS CERTAIN AMOUNT. SO I HAVE REQUESTED CONN'S TO SEND ME THE INFORMATION SHOWING THE AMOUNT THAT THE MERCHANDISE WAS SOLD FOR AND THE REMINDER AMOUNT THAT IS LEFT BUT THEY HAVE BEEN UNABLE TO PROVIDE THAT INFORMATION. THEY ALSO ARE REPORTING TO DIFFERENT LATE ACCOUNTS. ONE IS SHOWING AS REPOSSESSION ACCT#XXXX AND THE OTHER ACCOUNT IS SHOWING CHARGED OFF AS BAD DEBT ACCT#XXXX. THESE ACCOUNTS ARE REPORTING INCORRECTLY I HAVE TRIED TO CORRECT THIS WITH THE COMPANY BUT THEY WILL NOT WORK WITH. I'M ASKING THAT THE CORRECT INFORMATION BE PROVIDED OR EITHER ALL ACCOUNTS BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Complaint sub-issue: Received unwanted marketing or advertising

Last year pnc bank receive the money I paid when my account was Overdrawn & I have paid them to reopen my account & I had a Issue where I was robbed and my bank cards was stolen and they charge my card and I reported it stolen as I was charge for nothing but it seems thats i cant bank with them and they are impacting my credit scores, along with other fraudulent companies
Complaint sub-issue: Problem with the interest rate

I contacted Discover student loans for a student loan for my daughter which I was going to co-sign. They asked how much I make, but also asked how much was in my savings and retirement accounts. 
I 'm a XXXX so I only make approximately {$15000.00} a year but my FICO score is XXXX ( which I would say is better than most ). 
The form also proceeded to ask what my savings account had as well as my retirement account. I told them {$20000.00} in savings/money market and {$300000.00} in retirement. 
Well, it came back with a 8.990 % loan figure which is ridiculous. 
I proceeded to contact the bank at which time they basically told me that the only things they look at are the income and the FICO score. So I asked the girl that was helping me why they asked the questions about how much money I have and she did not know. She even put me on hold for a few minutes and came back and still did not have an answer. 
At that point, I asked why do they even ask the questions about how much money we have in our accounts if you are not even going to consider them, and she did not have an answer for that. I then told her that the bank needs to take those questions off their form if they are not going to use them as a basis for the loan. She really had no comment except she said she would pass the suggestion on.
Complaint sub-issue: Information belongs to someone else

Have multiple inquiries on my credut report from XXXX XXXX   XXXX XXXX XXXX XXXX 3 hard pulls fraudulent. 

XXXX XXXX. 


I have contacted each and was told to contact the credit burea XXXX XXXX stated they would remove within 45 days XXXX and Equifax are telling me I cant dispute the fraudulent inquiries on my credit report. 

XXXX is also refusing to block XXXX XXXX and XXXX XXXX knowingly reporting fraudulent information
Complaint sub-issue: Account information incorrect

I financed a product with XXXX. The credit bureaus have listed XXXX as a credit card which is incorrect. This is not a revolving account but a product that was financed for the exact amount of the cost of the product. 

Listing XXXX as a credit card issuer, has resulted in my credit score being lowered and other creditors denying me credit.
Complaint sub-issue: Investigation took more than 30 days

Equifax has not resolved my disputes and it has been over 30 days. 
XXXX is showing resolved with no supporting information and they have not contacted me via Mail. 
XXXX  is a duplicate of the above issues. 

Al 3 companies have names that I have never used and addresses that I have never lived at.
Complaint sub-issue: Information belongs to someone else

Hi I sent certified letters to all three credit bureaus with in the last three months and have not received a response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent several letters that the inquiries do not belong to me and if they have proof show me?
Complaint sub-issue: Other problem

I called " Key bank '' in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, I informed them about a CC that is appearing on my credit report which I have no recollection of applying for. When I spoke to them in XX/XX/XXXX they said they couldn't find my account with the account number on my credit report. I had a loan officer pull my credit report in XX/XX/XXXX for a home loan application and he informed me that I was an authorized user on the " Key Bank '' credit card, which I never authorized. I need this account to be removed from my credit report as I am being harassed from collection companies ever since my loan officer advised me to dispute it.I called last week and they finally informed me that " XXXX XXXX '' is the primary person. I have no clue who she is or when she added me or how to even get in contact with her. they said she would be the only person able to remove me. I can not be liable for someone else debt who I don't know and most importantly who I never authorized to add me to this credit card.
Complaint sub-issue: Information belongs to someone else

i recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report immediately