Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

I had multiple deposits made into my US Bank checking account, including {$710.00} on XX/XX/XXXX, {$290.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. The receipts confirming the dates and amounts can be provided upon request. 

I made a payment to my XXXX credit card from the same US Bank checking account in the amount of {$170.00} on XX/XX/XXXX. 

US Bank fraudulently changed the order of these transactions in a way that made my account appear overdrafted when it was not : They posted the XXXX credit card payment on XX/XX/XXXX, and all XXXX deposits on XX/XX/XXXX. Then they assessed a {$36.00} overdraft fee. 

I called US Bank on XX/XX/XXXX to request that the overdraft fee is removed because no overdraft has occured. The representative was evasive and uncooperative, claiming that they received a " notification '' about my payments " after XXXX on XX/XX/XXXX ''. Despite my explanation that they were in posession of my deposits for days before the disputed overdraft took place, the rep refused to consider a refund of the overdraft fee.
Complaint sub-issue: Contacted employer after asked not to

I spoke with XXXX. XXXX on XX/XX/XXXX concerning the alleged debt from XXXX XXXX XXXX. I gave the rep. my contact information home address and confirmed phone # and expressed my concern over the debt and asked for proof. Rent Recover XXXX XXXX XXXX continued to pursue operation as if they had not reached me by calling my job XX/XX/XXXX and parents home upsetting my elderly parents with a request that had been addressed. The name of the company a lone " Rent Recover XXXX XXXX XXXX, XXXX I feel likes violates by privacy when calling my place of employment
Complaint sub-issue: Unable to open an account

I wanted to open Citi Priority account following this link : https : //banking.citi.com/cbol/priority/offer/default.htm? venue=GoogleBR & cmp=knc_acquire_2106_BAUCHK_Priority_Google_BR & gclid=Cj0KCQiAubmPBhCyARIsAJWNpiMG1y2vZJ_TCcRmbiglwYI6HgTTaWu8-sDqICXGWK-9rr-J7rLC-w0aArfcEALw_wcB & gclsrc=aw.ds & BT_TX=1 & ProspectID=B094A7EB13404DE69A8EADDAD9B2785C Provided all the information and then I got one obstacle which is more of a issue from Citi side as they have hired cheap XXXX XXXXXXXX XXXX  to do their IT work. 
Due that hurdle, it asked me to call on that # XXXX which i did but nobody was there. Then I got one rejection letter with the file number ending in XXXX but even if I call that number there is nobody picking up even after 45 minutes of wait time. The letter states that Citi is " unable to verify information on consumer report ''. Moreover Citi didn't provided which consumer report agency I need to reach out to?
Complaint sub-issue: Company closed your account

Discover demanded me to authorize them to obtain by tax returns from IRS, I have never heard that credit card institution or obtained consumers records from IRS.

I feel Discover had discriminated against me for being perfect customer and NEVER BEING LATE : I feel that credit card company had chosen this route accurately predicting that I would refuse.

I strongly feel that real reason for Discover discrimination against me is that 1. they owed me rewards money, 2. they were never able to charge me late fees or any other fees 3. they did not wanted pay rewards I earned 4. Discover breached their terms and Conditions and had chosen convoluted way to close my account and refuse me from their service also vindictively ruining my credit report.

I request Discover to confirm clearly 1. why they had chosen to discriminatively " update and maintain my records via IRS 2. remove adverse notes from my credit report as it adversely affecting my credit report.
Complaint sub-issue: Company closed your account

Hi, I have a Citibank dividend card. The card is no longer available to apply. For years now citibank has wanted me to change the dividend card to another type. I decline the offer every time. On the XXXX of XXXX citibank closes my account citing that I havent used the card since XXXX. I logged in last night and could see the charge I made at XXXX store in XXXX ( I dont remember what date. ) Today when I called customer service stated, we see no charges all the way through XXXX but we do see a payment in XXXX. How does that make any sense? What would I be paying if theres no charges? Oddly enough all my charges disappeared from citibank, and I have no printed statements. I do have the payment I made through my chase checking account which was made XX/XX/XXXX, for the charge I made at XXXX in XXXX to my dividend card. 

Closing of the card affects me in different ways. I know to use all my cards to avoid closures. Closing the card affects my credit score. I  recently refinanced a mortgage and had to buy a car. This is my oldest card going back to around XXXX. I will settle for a product change of the card as long as the account isnt reported as closed. Keep the dividend citibank! 

Again, I could see the charge on my dividend card from XXXX, and now its disappeared. I feel like citibank did whatever it takes to force a closure of the account. Im not sure why they want to get rid of this product to this extreme.
Complaint sub-issue: Public record information inaccurate

My state tax lien was vacated/expunged by the DOR, however it is still showing on my Equifax credit report. I sent a certified letter to Equifax onXX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and Equifax did not delete the tax lien from my credit file. Their response was they verified the information with XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the DOR records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with Equifax because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX Balance : {$1700.00}
Complaint sub-issue: Account status incorrect

I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructi
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX  account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XXXX, 2020. Complaints to XXXX XXXX and the credit reporting agencies have been ignored.
Complaint sub-issue: Information belongs to someone else

XXXX CARD is not my account, so I sent a letter off on ( XX/XX/2022 ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX XXXX # XXXX. 

This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

XXXX, XXXX XXXX and, Equafax have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.
Complaint sub-issue: Debt was paid

My complaint is against XXXX XXXX XXXX XXXX in the amount of {$1400.00}. This debt has not been validated as I have asked before. I need validation of this medical bill, they are not the original owners of the debt. I will not take verification. I also had XXXX so the debt need to be submitted correctly for XXXX can pay it.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX : {$880.00}, XXXX XXXX XXXX : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  A ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.
Complaint sub-issue: Reporting company used your report improperly

act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX  ). Miss put information on multiple areas.

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

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with XXXX XXXX XXXX XXXX and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.
Complaint sub-issue: Account terms

The student loans that are being reported ( XXXX ) are not late payments and should be removed. This bureau does not properly verify my credit report and whenever I called I could never speak with a representative. There are also multiple hard inquires that I did not authorize and are not associated with my account.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Complaint sub-issue: Didn't receive notice of right to dispute

Asset Recovery Inc ( XXXX Vermont ) has placed 6 ( at this time ) XXXX XXXX on my credit report. 
I can not see the account numbers for these collections to provide to you. 
They did not send a dunning letter for me to dispute the alleged debts. I was unaware they were attempting to collect any alleged debts.This is the 3rd time this company has done this in the last year. Any of my alleged medical debts are covered by XXXX XXXX XXXX ( Paid insurance ) Any remaining balance is covered by XXXX XXXX XXXX program thru XXXX  I have Spoken to my financial counsel at XXXX. They tell me the invoices were sent in error. This is the 2nd complaint I have made against Asset Recovery Inc this year. The 1st complaint took them 2 months to respond. They said they were removing the collection I complained about. They have not taken any action at this time.

This has a drastic impact on my credit score and ability to secure funding.

The collections they are reporting are inaccurate and untrue. This company is willing to report unverified, non valid accounts knowingly and not held accountable for doing so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have attached an FTC report with inquiries I did not authorize and need them to be deleted ASAP
Complaint sub-issue: Unable to open an account

Between the priod of XX/XX/2021 and today XX/XX/2021 I have been unable to access my Online banking account. I have followed the proper steps each day to access my account to no avail. I also have received every run-around excuse possible, with extensive promises of expected retun phone calls from XXXX, also to no avail. I have advised that an online issue exist with their XXXX XXXX. which effects my accounts with no realistic promise of a resolution. I believe I need your departments assitance to resolve this access issue. Unless, for some fictitous reason, that this issue solely is effecting me, this issue must be widespread and as widely spread, ignored.
Complaint sub-issue: Can't use card to make purchases

I received a new Citi Aadvantage Platinum Select card a couple of weeks ago and tried to use it and it was denied. Had to pay a {$7.00} atm fee to make the purchase and opened the Citi app and it said something was flagged for fraud. I called the provided number and the representative asked for a landline to call. I do not have a landline phone and they also asked if I had a Citi checking or another Citi credit account, which I do not. Finally, they asked if they could contact my work number which is not possible since all of our work calls go to a general switchboard. 

After these options were exhausted they stated that they would be mailing me a letter for verification and that will take 7-10 business days. They would not accept any other form of verification and now I am left without access to my account for this amount of time and can not even see what he possible fraud may be to take action. I asked to cancel the card and they said I was unable to do that at this time due to the fraud alert.

It is unacceptable that I can not know about the details of potential fraud and can not verify my identify without having a landline ( which is really common now ) or having another account through their bank. I attempted to speak with a supervisor but was not connected and the employees I spoke with would not give any identifying information I could share with a supervisor about the treatment. 

Now I have potential fraudulent charges on an account that is less than a month old that I have to wait almost two weeks to resolve. CitiBank has terrible customer service and puts your financial and personal data at risk by being lax enough that somebody was likely able to breach an account that is less than a month old and then blocking their customers from being able to take action.
Complaint sub-issue: Information belongs to someone else

THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT NEED TB BE REMOVED RESULT OF IDENTITY THEFT
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I AM DESPERATE FOR HELP. DUE TO A LIFE CRISIS I LOST ALL OF MY CREDIT CARDS & AM STRUGGLING TO GET MY LIFE BACK. THE ONLY MAJOR CREDIT CARD I HAD LEFT OPEN IS CITI SIMPLICITY CARD. MY CREDIT LIMIT WAS {$1600.00} AND I MAKE MY PAYMENTS BY AUTO-PAY 2 TIMES A MONTH TO COVER THE MINIMUM PAYMENT. 

SINCE I LOST 80 % OF MY INCOME DUE TO COVID19 I  NEEDED TO RENT A CAR TO DRIVE WITH XXXX BUT THEY ONLY TOOK CREDIT CARDS, NOT EVEN A DEBIT CARD SO I CALLED CITIBANK TO PAY ENOUGH TO OPEN {$1000.00} AVAILABLE CREDIT SO I CAN RENT THE CAR. MY ACCOUNT WAS NOT PAST DUE. 

ON XX/XX/XXXX I CALLED TO PAY {$250.00} BUT THE RENTAL COMPANY NEEDED A DEPOSIT ALSO SO ON XX/XX/XXXX I PAID ANOTHER {$750.00} BOTH PAYMENTS ON MY DEBIT CARD SO THE I WOULD HAVE INSTANT AVAILABLE CREDIT AND SO I NOW HAD APPROX. {$1000.00} AVAILABLE CREDIT & WAS GOING TO RENT A CAR FROM HYRECAR STARING XX/XX/XXXX USING MY AVAILABLE CREDIT THEN CONVENIENTLY A FEW DAYS LATER CITIBANK LOWERED MY CREDIT LIMIT TO APPROX. {$590.00} AND USED MY {$1000.00} TOWARDS PAYING THE PRINCIPAL OWED!!! 

THE PHONE CALL WITH THE AGENT CLEARLY SAYS I WAS PAYING THAT MONEY TO USE FOR A RENTAL CAR & MY STATEMENTS PROVE THEY USED THE AUTO PAY FROM MY BANK ACCOUNT IN ADDITION TO FRAUDULENTLY EATING UP THE {$1000.00} I DESPERATELY NEEDED IN ORDER TO GET WORK DURING THIS PANDEMIC. 

I CALLED 5 TIMES, EACH AGENT TELLING ME MY ACCOUNT SHOWED I WAS GETTING THE {$1000.00} REFUNDED TO ME AND A WEEK LATER THE AGENT SAID THEY REVERSED THEIR DECISION & I WOULD NOT GET THE {$1000.00} BACK!!! CITIBANK USED DECEITFUL BUSINESS TACTICS BY UTILIZING MY {$1000.00} FOR THE WRONG REASONS. I WOULD NEVER PAY MY LAST DOLLAR TOWARDS A CREDIT CARD BILL & ESPECIALLY DURING THIS PANDEMIC. 

PLEASE HELP ME GET MY {$1000.00} BACK. I DO NOT DISPUTE THE LOWERING OF MY CREDIT LIMIT, I AM DISPUTING THE TIMING OF IT. THEY STOLE MY .
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to XXXX XXXX creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and AR Resources Inc reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help