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

I am writing to request your assistance with receiving documentation of resolution of fraudulent charges that were made to my Citibank XXXX XXXX Master Card Account. Last fall, I received a notice that {$30000.00} in charges were made to my credit card account.This is a credit card that I have not used in several years and I never made these transactions and never received any bills for any of the transactions in question. 

I was advised by Citbank customer service that an investigation would be conducted and that I would receive an update when the investigation was completed. During the past 6 months, I have continuously received notifications that I have been sent to collections to make arrangements for payments. Over the past 2 months, I have called Citibank customer service and I have been told that the case was resolved and that I would be receiving a notice from Citibank to verify the completion of the investigation and to confirm that I am not responsible for any of the charges incurred and that collections agencies have been notified. 

During each call, I have been told that I would be receiving this notification within a week. I understand that you have a large volume of fraudulent cases. However, I am frustrated that I have not received a single letter, call, or email from Citibank to advise me of the status or the resolution of the investigation. I am deeply concerned that my credit rating has been compromised as a result of this fraudulent activity. 

I simply am asking for an official letter or email to verify that the investigation is completed and that I am not responsible for the charges and that my credit is in tact. I am a responsible consumer and am frustrated about the amount of times that I have had to call to inquire about this without any resolution. 

Can you please help to rectify this situation? If you have any questions, you can call me at XXXX. 

Thank you for your attention to this request. 

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

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have a Macys American Express Card. I have had nothing but problems with this card. Mostly weird charges. Or, I will pay off the account, via phone, and then 3 months later, find out, that they left a {$5.00} or {$6.00} balance on the card, and now I am paying late fees in the form of hundreds of dollars and on top of that, it has dinged my credit score negatively. The first time this happened, it prevented me from obtaining a mortgage 5 years ago. I have had another round of issues with this card one year ago. I paid it off, and stopped using the card. I recently had my wallet stolen and have been checking on my accounts weekly. Yesterday when I went to check on this account which I do no use, I see a XXXX balance. Today, the balance is at {$13.00}. This is an unknown balance that they won't tell me what it is. I have phoned and am unable to get a human again. 

This card is Department Stores National Bank. I have filed disputes, closed the account and still I continue to have issues.
Complaint sub-issue: Information belongs to someone else

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Complaint sub-issue: Indicated you were committing crime by not paying debt

AMERICOLLECT INC has posted information on my consumer report stating there is a debt owed with their company. I have never had a contract or agreement with Americollect. they are reporting multiple accounts on my consumer report that they are not authorized to do so. 

Americollect, XXXX, XXXX and XXXX has violated my HIPAA rights. 
The federal law contains the following specific verbiage that applies to the situation at hand : " ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Additionally, HIPAA and Florida MedicaXXXX Privacy Statutes further protect my protected health information. The Privacy Rule prohibits you from using or disclosing my individual protected health information ( " PHI '' ) unless I specifically authorize the use, which I have not. 

HIPAA specifically states : Information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. Your company has supplied my confidential and protected account information without my consent as a consumer. 

Also according to 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. also U.S code ( a ) 1-4 The amounts reporting are {$1500.00}, {$290.00}, reported on XXXX and {$1500.00}, {$290.00}, {$91.00} and {$55.00} and {$56.00} Reported on XXXX and XXXX. 

These accounts are listed in error and I am requesting these items removed immediately. I have sent certified letters to all parties involved.
Complaint sub-issue: Billing problem

I was not late with my payment for XXXX I have paid every month on time. I even made payments online ahead of time, that were scheduled. I requested for my account to be reviewed as I lost my job for 11 months in XXXX, and they never helped with anything.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. Equifax, XXXX and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX  AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX  XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX  XXXX  CARD
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I applied for a credit line increase on my XXXX Visa Signature card with Commerce Bank. Commerce Bank notified me that they were unable to pull my credit report because of a security freeze. I informed Commerce Bank that they in fact did pull my XXXX  credit file on XX/XX/2020. Upon investigation by Commerce Bank, I was informed that there was no credit pull made by Commerce Bank on my XXXX  credit file. Commerce Bank indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from XXXX. At this time, I notified Commerce Bank I was unwilling to do so and that the credit inquiry made by Commerce Bank on XX/XX/2020 should be removed, as Commerce Bank indicated that they were unable to process my credit line increase because they did not receive a credit report from XXXX  on XX/XX/2020. Commerce Bank did not process an application for a credit line increase on my XXXX Visa Signature card and therefore the inquiry made by Commerce Bank on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from Commerce Bank that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.
Complaint sub-issue: Debt was paid

The credit agency IC system, reported the amount of XXXX XXXX, XXXX and it shows in my credit report that is negative and thats not the I owe. And i need for you to take that out of the credit report because its affecting it. I already paid the account i already paid the credit agency " XXXX XXXX. " The account number is XXXX Original Creditor Client Ref # XXXX, and the phone number is XXXX. The balance was XXXX which was already paid, but i need the agency IC system to take that off my credit because its affecting it, and they are n't the Original Creditors in which i already paid, my phone number is XXXX, Thank You.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX, I received mail from Conn 's XXXX XXXX saying that I had taken out roughly a XXXX line of credit. I called to inform them of the identity fraud and was redirected to the company fraud line. On XX/XX/XXXX I submitted an affidavit ( un-notarized due to COVID-19 lockdown restrictions ) with the listed fraudulent charges, the associated account number, and a case number with badge number for a police report I filed in association with the theft. In the police report I testified under penalty of perjury that I had been the victim of identity theft for several lines of credit totaling roughly XXXX. I very shortly afterward received confirmation that my email had been received and that the account was under review. Today I received a phone call from a collection agency attempting to collect the fraudulent debt. When I told them that I had reported the account as fraudulent they informed me that they would continue to call indefinitely as long as their operations told them to. Conn 's has shown negligence in adjudicating this fraud dispute and an apathy to resolving this issue in a timely manner.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending dispute letters addressed to the Creit Bureaus for a long time already and I feel that the Credit Bureasu became negligent of their duty and never pai attention to my disputes despite all my extended efforts. The last letter I sent to the Credit Bureaus was on XX/XX/XXXX. Right now, I am submitting this complaint in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and there are errors that are reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX ; and XXXX CO XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX. I would like the Credit Bureaus to please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain the Bureuaus ' help in attempting to resolve the current issue.
Complaint sub-issue: Banking errors

I had to file two complaints with the Better Business Bureau against Key Bank. Both complaints were closed with a recording of unresolved and dissatisfied. I clicked on the link that CFPB sent me in an email on XX/XX/XXXX to inform CFPB that this matter still has not been resolved. However, when I logged on to CFPB website to check the status of my complaint, it was listed as closed. Therefore I am submitting a new complaint because this matter has not yet been resolved. Key Bank has not deposited my {$300.00} bonus into my account. I met the requirements to receive the bonus therefore Key Bank needs to deposit the bonus into my account as soon as possible because this problem has been ongoing since XXXX of this year. On page 10 of the 20 page pdf file titled Key Bank complaint, the document states : " Offer Code XXXX has been applied to this account. '' On page 13, the document titled Key Bank Account Details, lists the date of my Opening Deposit as XXXX XXXX. On page 18 is the email that I sent to XXXX XXXX which contained a pdf attachment of my relative 's Key Bank Account Detail which also lists the date of their Opening Deposit as XXXX XXXX and it also shows that they received their bonus and the bonus was listed as " {$300.00} Gift From Key Bank For Recent Offer ''. Therefore, I questioned XXXX XXXX as to when I would receive my bonus. OnXX/XX/XXXX, I visited the branch in person and requested my {$300.00} bonus and for a new debit card to be mailed out and as of this date I have not recieved either. I have attached 3 pdfs for review to proof these facts.
Complaint sub-issue: Their investigation did not fix an error on your report

I Disputed wrongful reported information on Equifax and XXXX   credit report by XXXX XXXX. I sent letter asking for proof of accuracy. Equifax failed to respond back in given time per law. Therefore collection account from XXXX XXXX should be removed from my credit profile. I also disputed with XXXX XXXX.
Complaint sub-issue: Old information reappears or never goes away

An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you
Complaint sub-issue: Didn't receive notice of right to dispute

I joined a matchmaker site called XXXX XXXX XXXX could no longer pay them and the services did not match what they promised. They turned it over to a collection Agency recently. I have never ever received any communication from the collection Agency which is Omega RMS I emailed the company asking to send me a collection notice 3 times and got no answer to date. I need it in order to turn into my debt consolidation company.How is that you owe a debt and ever receive a collection letter makes no sense the only way I discovered it is because it popped on my credit report without notice.2
Complaint sub-issue: Their investigation did not fix an error on your report

Fraudulent accounts currently reporting from the direct result of identity theft, 1.XXXX XXXX XXXX, 2.XXXX XXXX # XXXX, 3.XXXX # XXXX, 4XXXX XXXX  XXXX # XXXX, 5. XXXX  # XXXX, 6XXXX XXXX XXXX # XXXX, 7.XXXX # XXXX, 8. XXXX XXXX XXXX. 
Its been several months now I have been in consistent contact with XXXX consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from XXXX. XXXX has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. XXXX has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and XXXX should be held accountability. XXXX has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and XXXX is liable.
Complaint sub-issue: Problem with direct deposit

I was supposed to receive my direct deposit on my cash app car and then all of a sudden my cash app card is cut off. I tried calling cash app support and they stole {$150.00} from me and then started asking for XXXX pictures
Complaint sub-issue: Information belongs to someone else

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

While in bankruptcy protection ( XXXX ) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. XXXX separate complaints were filed with CFPB in XX/XX/XXXXregarding these unlawful charges ( XXXX onXX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX to correct late payment notices they posted earlier in XX/XX/XXXXprior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX... and we have the actual checks with the dates each month when they were received and the date they cleared XXXX 's bank that very same month, with no additional monies were sent to XXXX ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX  's check ( received in XX/XX/XXXX, cleared by XXXX XX/XX/XXXX). This process was repeated each and documented each and every month, for the exact month the payment was due.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX. I was denied by PNC bank for Cash Rewards Visa credit card. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. Under 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
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