determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Dealing with my lender or servicer	Navient services my student loans and i have called them multiple times in the past about misleading/confusing information and misallocations of my payments. I 'm sure these complaints have been ignored by Navient but I want to know what I can do invving this lawsuit and any repercussions in process.
Problem with additional add-on products or services	I hope this is not a scam, since I just signed the modification package and made a {$100.00} payment on my loan. I am copying the FTC on this email, just so that XXXX and it's subsidaries did not cooerce me into signing false documents and making a payment.
Communication tactics	I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement.
Incorrect information on credit report	XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents
Customer service / Customer relations	Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.
Loan servicing, payments, escrow account	I was in chapter XXXX, XX/XX/XXXX through XX/XX/XXXX. Trustee paid {$14000.00} to heloc loan with Countrywide/Bank of America loan # XXXX, {$2000.00} was for interest. This entire amount has not posted to the account. They reported no payments for to the XXXX credit report " no payments '' for XX/XX/XXXX during chapter XXXX and for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The balance does not show the entire amount applied from the trustee.
Incorrect information on credit report	I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT CHASE BANK AND XXXX XXXX LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.
Incorrect information on credit report	Credit history request- never authorized, company not recognized
Incorrect information on credit report	i checked my credit number and i nocticed that i had stuff in my name that can not possibly be mine
Unauthorized transactions or other transaction problem	Dear support, my wallet and account are disabled for sell and by operations. After I received on XXXX XXXX the deposit from coinbase, the same wallet has been disabled in all operations.
Unable to get your credit report or credit score	I filed a complaint almost two years ago that the mortgage company was not reporting my mortgage to the credit companies. Their response was that they are working to fix this issue. They have yet to fix their system to be able to report on the three owners of the property.
Other fee	I received a {$1.00} fee from my AAA Bank of America card for " MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a " mistaken '' charge and agreed to refund it. I expect a refund within the next few days.
Improper use of your report	I was affected by the Equifax security breach according to their site equifaxsecurity2017.com ( as of XXXX XXXX 2017 ). They have mishandled my information and I would like to see the problem resolved.
Taking/threatening an illegal action	Was seen in XXXX XXXX XXXX ER on XXXX/XXXX/2015, Paid {$25.00} @ ER balance owe {$750.00} ..I have paid {$25.00} on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. Received letter from Central Finanical Control stating my account has been with them for collection in amount of $ XXXXnot understanding why was my bill sent to collection and im attempting to pay what I can due to lack of work and illness
Loan servicing, payments, escrow account	I CONTACTED CFPB MANY TIMES OVER A YEAR AGO A COMPLAINT AGAINST MY MORTAGE COMPANY XXXX XXXX XXXX THEN WHITNEY THEN HANNOCK ABOUT A PREDATORY LOAN THAT I CAN PROVE IT HAS BEEN OVER SIX AND A HALF YEARS AND NO HELP I AM ON SSI XXXX A YEAR CAN NOT AFFORD AN ATTORNEY FREE HELP SAYS IT IS TO COMPLICATED I FINALLY GOT IN TOUCH WITH SENIOR HELP AND THEY SAY IT IS YOUR JOB TO OVER SEE THESE BANKS THAT INVOLE DECEPIT PRACTICES
Improper contact or sharing of info	I had a bank account charged off with XXXX XXXX. Transworld Systems Inc. did not report to XXXX that I had paid in full/and or the complete disclosure of dates and/or amounts paid by me. It has been three years since I settled this matter and it is damaged my check reporting agency score all this time.
Fees or interest	To Whom it May Concern, I have a citibank double cash card and had set up autopay to pay for my bills. However, I have just discovered that my account was n't paid off using autopay. For some reason the autopay was switched off. I had technical issues with their system before, but that is a major problem as I ca n't really trust their transaction system. Plus, they charged me {$65.00} for an interest fee that should have never been accumulated in the first place.
Disclosure verification of debt	Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation.
Unable to get your credit report or credit score	On XXXX at around XXXX PST, I tried to request my annual free credit report for Experian, I got this error message, '' XXXX XXXX XXXXXXXX We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. XXXX XXXX XXXXt XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ''
Incorrect information on credit report	There is a medical bill in the amount of {$90.00}. This bill was paid by insurance. I paid the bill before they stated it would go to collections. The company still reported it to collections even though they stated they would not do so.
Incorrect information on credit report	XXXX was not included in my bankruptcy. The account shows closed. This is incorrect. I have been making monthly payment to them directly.
Problem with a credit reporting company's investigation into an existing problem	I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report
False statements or representation	The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Cont'd attempts collect debt not owed	XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX
APR or interest rate	Good morning. I contacted Wells Fargo to get my interest rate lowered on my credit card. I 'm in the process of buying a home and I want to pay the debt down on my Wells Fargo credit card to raise my FICO score and lower my debt to income. I spoke with two reps and both said they were unable to lower the interest rate. I asked why and neither rep offered an explanation. Is there anything the CFPB can do?
Threatened to contact someone or share information improperly	Tower Loans called my old job and left a message on another person 's work phone for me even when CFPB cautioned them to desist.
Incorrect information on your report	Experian is listing two hard inquires for the same transaction on the same date ; one listed as XXXX XXXX XXXX and one listed as XXXX XXXX/XXXX XXXX. I contacted Experian and Experian refuses to initiate a dispute.
Improper use of your report	Equifax lost credit personal data in data compromise attacks. XXXX XXXX - contacted Equifax and placed credit freeze. XXXX XXXX - logged ticket with CFPB to document.
Incorrect information on credit report	My present employer is XXXX XXXX effective XX/XX/2014. Also NEVER had a credit card issued with " XXXX '' as middle initial
Cont'd attempts collect debt not owed	This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection.
Attempts to collect debt not owed	XXXX XXXX XXXX, sent a notice of deletion to all credit bureaus on acct # XXXX XXXX the merchant. experian has it under partial acct # XXXX. since the date of letter from XXXX XXXX to experian dated XX/XX/2017, experian has failed to delete this account, in violation of federal consumer laws.
Managing the loan or lease	The items that are on my report are false
Communication tactics	The company is calling my cell phone number and home phone. I answered one call and was asked to provide personal information. I inquired about what the call was for and the company refused to state on what debt they were trying to collect for. Once I refused to provide the information, the caller abruptly hung up while saying I should check my card.
Loan servicing, payments, escrow account	BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.
Problem with a credit reporting company's investigation into an existing problem	XX/XX/XXXX I noticed on my report a debt for {$510.00} on my credit. I sent XXXX several certified letters to settle or even validate the debt. I contacted the company and e planned that this debt from XX/XX/XXXX is from someone stealing my debit card and fraudulently using - I told the rep I signed an bank affidavit. rep stated unable to validatedbor bring my account information up in the system due to the age.
Incorrect information on credit report	Hello I was involved in auto accident in 2007 a ( fender bender ) and that person named XXXX XXXX ran to the courts filed a {$500.00} lien against me right away. He argued his case in court against my insurance company and lost. I still show a public record on my credit for absolutely no reason
Deposits and withdrawals	Wells Fargo employees opened unauthorized accounts, transferred funds funds to and from accounts resulting in a catastrophic loss for the victim.
Dealing with my lender or servicer	All my payments I have been making since 2007 and prior with XXXX XXXX are not being posted to my account so the balance has never gone down. Per my account history print out nothing is posted to the principal.
Incorrect information on your report	Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.
Cont'd attempts collect debt not owed	Portfolio recovery calls numerous times a day until late in the evening, past XXXX CT. I do not have any credit card debit in collections and this company is ruthless and incompetent.
Credit monitoring or identity theft protection services	I was not late for credit first. I was not late for XXXX XXXX XXXX account ... payments were made and are current..
Cont'd attempts collect debt not owed	Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.
Improper use of your report	Equifax mishandled my information, which puts me at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Credit reporting company's investigation	I file a dispute with the credit bureau it took this agency one week to say this account on my credit is maine how can a company says account belong to you when i write these creditor. their no response how is company able to validate a debt when i get no response what is their procedures of validation i have identity theft on my report the credit bureau isnt obeying the 609 laws on federal credit reporting act before they report on file
Incorrect information on your report	I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. Please remove this account from my credit file.
Cont'd attempts collect debt not owed	Phone call harassment all hours of the day, will not stop calling. I do not owe anybody any money, never missed a payment in my life and am a XXXX veteran
Problem with a credit reporting company's investigation into an existing problem	Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!
Incorrect information on credit report	In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.
Other features, terms, or problems	I have contacted CapitalOne customer service several times in the past several weeks from XX/XX/XXXX to current date. The company mentioned in my last chat session with XXXX XXXX that some customers did receive the end of year statement but I'm just one of the unfortunate that have not. All tax documents are to be completed and mailed by XX/XX/XXXX with mine still not processed or mail.
Written notification about debt	XXXX XXXX {$190.00} has placed another collection account XXXX/XXXX/XXXX. I have not lived in Georgia since XXXX XXXX, XXXX. I am currently residing in XXXX XXXX, Nevada. I have informed them as of last week when I called to dispute another collection with them for XXXX XXXX/XXXX/XXXX from the same medical business. They are rude and refuse to listen to anything you have to say.
Incorrect information on your report	Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.
Communication tactics	The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for XXXX XXXX contacted my daughters cell phone in order to contact me for a Debt that over XXXX years old well exceeding the statue of limitations in XXXX of XXXX years. When I contacted them they threated by stating to sue for an amount triple of the original amount.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Late fee	Did not receive XXXX paper statement in mail. Confirmed US Mail option is checked. Called cust serv. CSR said that paperless option must be checked. Not true, I 've historically received paper statements and I confirmed before calling Citi that paper option checked. They refused to credit {$25.00} fee. I cancelled this CC account. Very disappointed in Citi as this appears to be fraudulent and a means to a money grab.
Can't repay my loan	The XXXX school that I went to is being sued by the government for being fraudulent
Credit reporting company's investigation	How can Early Warning Systems say they investigated and validated the item with XXXX XXXX XXXX, when XXXX XXXX XXXX per the attached letter says they do not have any bank records. Early Warning Systems, this is your Early Warning to please delete the items related to XXXX XXXX XXXX. See attached supporting documents. cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Cont'd attempts collect debt not owed	I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
Taking/threatening an illegal action	I would gladly pay this debt, if I could send a check to an address and be done with it. They want me to do a payment over the phone ... .never. Have this debt collector contact me thru the MAIL and I will pay the debt, WHETHER or not I owe it.
Incorrect information on credit report	Equifax will not remove inquiries that were not allowed by me. I contacted XXXX XXXX and even received a letter advising Equifax to remove the inquiry. Contacted Equifax on XXXX ( before I received the letter ) XXXX, XXXX, and recently XXXX. Always receiving that inquries are a factual occurance and will not be removed, see attached letter from Equifax.
Loan servicing, payments, escrow account	If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.
Advertising and marketing	I was offered a promotional balance for a certain amount of time. After paying one day late and receiving a charge of more than {$400.00} balance promotion stopped and I was not advised properly. This unfair marketing practices made me incur again in another unexpected {$200.00} charge.
Using a debit or ATM card	Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.
Struggling to pay mortgage	SPS is reporting late payments during the loan modification even though they advised me they would not report late payments. They forced me to go past due and would n't take my payments promising me that it would n't show late on credit.
Communication tactics	collection agency who does not exist ( fraud ) mACS XXXX his name was XXXX XXXX probably alias. stated was from a collection and have to make a settlement on an acct which does not exist from a cking acct from 2009.
Incorrect information on your report	We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.
Fraud or scam	i recently make a purchase using how payment metode paypal butthe seller never give me the service i make a claim inside paypal butthey go in seller favor this is the unique transaction number XXXX and i thinking this is fraudulent seller soplease helpme to get back my money
Loan servicing, payments, escrow account	Wells Fargo is not reporting my mortgage payments to credit reporting agencies even though I reaffirmed my mortgage following a 2014 bankruptcy.
False statements or representation	I have set up a payment plan with the correct Debt Collector. This person is not with them and they keep calling and threatening me with legal action if I don't give a down payment. They have quoted me several different balances and call from different number. she was abusive and refused to give me any account information and answer any questions. She lied about what I said in the phone call and continued to hang up. I recorded the phone call.
Improper contact or sharing of info	Collection Agency did not send any notices, did not send copies of bills and was not given the opportunity to dispute the debt. Was not aware of it until I received the court notice. Started making payments, still have not received notices to confirm payments. Contacted my employer for garnishment, still have not acknowledge the payments that was made.
False statements or representation	I do not owe them money. At the date I was receiving medicaid and medicaid should have paid for it.
Incorrect information on credit report	ALL CREDIT AGENCIES REPORTING OUTDATED PUBLIC RECORDS PAST 7YRS SINCE 2001 / NOT MY ACCOUNTS AND EXCESSIVE INQUIRIES
Incorrect information on your report	Identity theft fruadulent open accounts and inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date open XXXX XXXX, XXXX Amount XXXX Inquiry transunion XXXX XXXX Date XXXX
Disclosure verification of debt	I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.
Incorrect information on credit report	Equifax continues to carry incorrect information. Multiple contacts. They do n't remove any of it.
Incorrect information on credit report	Incorrect information is showing on my credit report far as my address they have XXXX,XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX. but my address is XXXX
Incorrect information on credit report	XXXX late payment is showing up on my report, Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA never verify any information and now refusing to delete late payment.
Taking/threatening an illegal action	Received phone message at work from XXXX at API XXXX that I was being sued for a debt and they were sending paperwork to my employer and the XXXX XXXX. Did not identify original debt or amount or send me anything in the mail about this.
Can't repay my loan	I have had many problems with Navient student loans, they changed my rate many times, and they are always changing there rules. It 's very sad what these companies in America are doing the the american students. I am XXXX and i cant buy a house because of these students, i pay {$300.00} a month and my loans are not moving from this company
Incorrect information on credit report	Experian has not removed this item, although they have been contacted by XXXX as well as I have submitted documentation directly from XXXX that states the line item should be removed.
Incorrect information on credit report	I sent out a certified letter to XXXX requesting them to verify this account, I pulled the address from credit report from Experian. It came back to me because Experian must have the wrong address on my credit report. By law in which stuff like this protects the costumer XXXX had 30 days to verify. Since my letter to them game back to me dated XX/XX/2016 Experian has refused to remove this trade line that does not belong to me.
Improper contact or sharing of info	Account Resolution Services has continued to harass me for someone else 's debt. From what they have told me they are trying to collect from XXXX. They keep calling me. I have told them numberous times to take my number off their list. They continue to change phone numbers and use VOIP. I tell them I am not XXXX and they say sure XXXX we will call back. My number is also registered to my XXXX. These calls need to stop or I will hire a lawyer.
Cont'd attempts collect debt not owed	father used my social security number to take out XXXX credit cards under my name
Disclosure verification of debt	This is not my debt and I never even received a debt collection letter. I received an electronic notification from XXXX XXXX that this collection agency added a delinquent account to my credit reports. I want this company to produce ALL information, contracts with my signature, account summary from the original creditor, information showing the date this account became delinquent, and the date this account was originally placed for collection.
Loan modification,collection,foreclosure	I was given a loan from Countrywide for 100 % of my purchase price on XXXX. I am currently in Foreclosure. Please help me and my family save our home. Thank youXXXX XXXX
Cont'd attempts collect debt not owed	I do n't owe this company any money, I never had a at & t account. I will not pay for a debt that do not belong to me.This account is fraud and I will not be responsible for this debt.it is illegal for this company to obtain my personal information from another company. I 'm tired of being harassed about this account. I know my rights
Incorrect information on credit report	This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!!
Incorrect information on your report	NCB MANAGEMENT SERVICES for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through XXXX XXXX XXXX. This was written off in XX/XX/XXXXand and should have been removed from my credit report in XX/XX/XXXX. At that time NCB purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.
Loan servicing, payments, escrow account	Nationstar Mortgage is inaccurately reporting negative information on my account to multiple credit reporting agencies. I have previously disputed this issue and Nationstar has not made the necessary corrections.
Communication tactics	I contacted this company last year in the hopes of settletling a debt, the representative threated to send an attorney after me. Today i attempted to call them again and the representative XXXX would not let me speak, he claimed he did not want to hear my sob stories, that those were my problems not his.
Cont'd attempts collect debt not owed	There are XXXX Capital one credit card accounts listed which I never had XXXX, my father whom past away XX/XX/XXXX had the same name as me and I had a business that was closed in XX/XX/XXXX I do recall XXXX account which was a business debt NOT personal. I need some assistance requested verification and validation nothing received.
Improper use of your report	Equifax has divulged my information to hackers through their poor security. I used their website to verify whether or not my information may or may not have been compromised. The results of the investigation is that my personal information may impacted. DATE : XX/XX/2017
Billing disputes	Barclays continue to post that I have a charge off account and my account is paid in full never a charge off. I do n't owe any money and company wont send me a payment history just keeps saying I owe them. XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....
Incorrect information on credit report	I want to have this issue removed from XXXX and XXXX as well
Advertising and marketing, including promotional offers	TD Bank opened a new credit card i did not ask fpr without my permission and without notifying me or my wife.
Problem with fraud alerts or security freezes	I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.
Incorrect information on credit report	I applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. Thanks, XXXX XXXX
Problem with a credit reporting company's investigation into an existing problem	I was trying to find out if my personal information was breached from XXXX. I Called Equifax and took all my information again and told me to sign up on TrustedID.com and told me that I have to pay them to protect my information after a year of service. Please help
Incorrect information on credit report	I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? It was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX
Using a debit or ATM card	On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.
Problems caused by my funds being low	I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! Frustratingly yours, XXXX XXXX.

Dealing with my lender or servicer

Navient services my student loans and i have called them multiple times in the past about misleading/confusing information and misallocations of my payments. I 'm sure these complaints have been ignored by Navient but I want to know what I can do invving this lawsuit and any repercussions in process.

Problem with additional add-on products or services

I hope this is not a scam, since I just signed the modification package and made a {$100.00} payment on my loan. I am copying the FTC on this email, just so that XXXX and it's subsidaries did not cooerce me into signing false documents and making a payment.

Communication tactics

I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement.

Incorrect information on credit report

XXXX has been paid in full and XXXX who has the account has received the paper work that it is paid in full and was to remove it and it 's still on there need it look into checked and removed cause it 's been paid in full. XXXX has all the documents

Customer service / Customer relations

Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.

Loan servicing, payments, escrow account

I was in chapter XXXX, XX/XX/XXXX through XX/XX/XXXX. Trustee paid {$14000.00} to heloc loan with Countrywide/Bank of America loan # XXXX, {$2000.00} was for interest. This entire amount has not posted to the account. They reported no payments for to the XXXX credit report " no payments '' for XX/XX/XXXX during chapter XXXX and for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The balance does not show the entire amount applied from the trustee.

Incorrect information on credit report

I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT CHASE BANK AND XXXX XXXX LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.

Incorrect information on credit report

Credit history request- never authorized, company not recognized

Incorrect information on credit report

i checked my credit number and i nocticed that i had stuff in my name that can not possibly be mine

Unauthorized transactions or other transaction problem

Dear support, my wallet and account are disabled for sell and by operations. After I received on XXXX XXXX the deposit from coinbase, the same wallet has been disabled in all operations.

Unable to get your credit report or credit score

I filed a complaint almost two years ago that the mortgage company was not reporting my mortgage to the credit companies. Their response was that they are working to fix this issue. They have yet to fix their system to be able to report on the three owners of the property.

Other fee

I received a {$1.00} fee from my AAA Bank of America card for " MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a " mistaken '' charge and agreed to refund it. I expect a refund within the next few days.

Improper use of your report

I was affected by the Equifax security breach according to their site equifaxsecurity2017.com ( as of XXXX XXXX 2017 ). They have mishandled my information and I would like to see the problem resolved.

Taking/threatening an illegal action

Was seen in XXXX XXXX XXXX ER on XXXX/XXXX/2015, Paid {$25.00} @ ER balance owe {$750.00} ..I have paid {$25.00} on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. Received letter from Central Finanical Control stating my account has been with them for collection in amount of $ XXXXnot understanding why was my bill sent to collection and im attempting to pay what I can due to lack of work and illness

Loan servicing, payments, escrow account

I CONTACTED CFPB MANY TIMES OVER A YEAR AGO A COMPLAINT AGAINST MY MORTAGE COMPANY XXXX XXXX XXXX THEN WHITNEY THEN HANNOCK ABOUT A PREDATORY LOAN THAT I CAN PROVE IT HAS BEEN OVER SIX AND A HALF YEARS AND NO HELP I AM ON SSI XXXX A YEAR CAN NOT AFFORD AN ATTORNEY FREE HELP SAYS IT IS TO COMPLICATED I FINALLY GOT IN TOUCH WITH SENIOR HELP AND THEY SAY IT IS YOUR JOB TO OVER SEE THESE BANKS THAT INVOLE DECEPIT PRACTICES

Improper contact or sharing of info

I had a bank account charged off with XXXX XXXX. Transworld Systems Inc. did not report to XXXX that I had paid in full/and or the complete disclosure of dates and/or amounts paid by me. It has been three years since I settled this matter and it is damaged my check reporting agency score all this time.

Fees or interest

To Whom it May Concern, I have a citibank double cash card and had set up autopay to pay for my bills. However, I have just discovered that my account was n't paid off using autopay. For some reason the autopay was switched off. I had technical issues with their system before, but that is a major problem as I ca n't really trust their transaction system. Plus, they charged me {$65.00} for an interest fee that should have never been accumulated in the first place.

Disclosure verification of debt

Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation.

Unable to get your credit report or credit score

On XXXX at around XXXX PST, I tried to request my annual free credit report for Experian, I got this error message, '' XXXX XXXX XXXXXXXX We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. XXXX XXXX XXXXt XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ''

Incorrect information on credit report

There is a medical bill in the amount of {$90.00}. This bill was paid by insurance. I paid the bill before they stated it would go to collections. The company still reported it to collections even though they stated they would not do so.

Incorrect information on credit report

XXXX was not included in my bankruptcy. The account shows closed. This is incorrect. I have been making monthly payment to them directly.

Problem with a credit reporting company's investigation into an existing problem

I have sent my Identity affidavit per credit bureau policy and procedures and the have failed to investigate and remove fraudulent information from my file even with my police report

False statements or representation

The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Cont'd attempts collect debt not owed

XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX

APR or interest rate

Good morning. I contacted Wells Fargo to get my interest rate lowered on my credit card. I 'm in the process of buying a home and I want to pay the debt down on my Wells Fargo credit card to raise my FICO score and lower my debt to income. I spoke with two reps and both said they were unable to lower the interest rate. I asked why and neither rep offered an explanation. Is there anything the CFPB can do?

Threatened to contact someone or share information improperly

Tower Loans called my old job and left a message on another person 's work phone for me even when CFPB cautioned them to desist.

Incorrect information on your report

Experian is listing two hard inquires for the same transaction on the same date ; one listed as XXXX XXXX XXXX and one listed as XXXX XXXX/XXXX XXXX. I contacted Experian and Experian refuses to initiate a dispute.

Improper use of your report

Equifax lost credit personal data in data compromise attacks. XXXX XXXX - contacted Equifax and placed credit freeze. XXXX XXXX - logged ticket with CFPB to document.

Incorrect information on credit report

My present employer is XXXX XXXX effective XX/XX/2014. Also NEVER had a credit card issued with " XXXX '' as middle initial

Cont'd attempts collect debt not owed

This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection.

Attempts to collect debt not owed

XXXX XXXX XXXX, sent a notice of deletion to all credit bureaus on acct # XXXX XXXX the merchant. experian has it under partial acct # XXXX. since the date of letter from XXXX XXXX to experian dated XX/XX/2017, experian has failed to delete this account, in violation of federal consumer laws.

Managing the loan or lease

The items that are on my report are false

Communication tactics

The company is calling my cell phone number and home phone. I answered one call and was asked to provide personal information. I inquired about what the call was for and the company refused to state on what debt they were trying to collect for. Once I refused to provide the information, the caller abruptly hung up while saying I should check my card.

Loan servicing, payments, escrow account

BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.

Problem with a credit reporting company's investigation into an existing problem

XX/XX/XXXX I noticed on my report a debt for {$510.00} on my credit. I sent XXXX several certified letters to settle or even validate the debt. I contacted the company and e planned that this debt from XX/XX/XXXX is from someone stealing my debit card and fraudulently using - I told the rep I signed an bank affidavit. rep stated unable to validatedbor bring my account information up in the system due to the age.

Incorrect information on credit report

Hello I was involved in auto accident in 2007 a ( fender bender ) and that person named XXXX XXXX ran to the courts filed a {$500.00} lien against me right away. He argued his case in court against my insurance company and lost. I still show a public record on my credit for absolutely no reason

Deposits and withdrawals

Wells Fargo employees opened unauthorized accounts, transferred funds funds to and from accounts resulting in a catastrophic loss for the victim.

Dealing with my lender or servicer

All my payments I have been making since 2007 and prior with XXXX XXXX are not being posted to my account so the balance has never gone down. Per my account history print out nothing is posted to the principal.

Incorrect information on your report

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.

Cont'd attempts collect debt not owed

Portfolio recovery calls numerous times a day until late in the evening, past XXXX CT. I do not have any credit card debit in collections and this company is ruthless and incompetent.

Credit monitoring or identity theft protection services

I was not late for credit first. I was not late for XXXX XXXX XXXX account ... payments were made and are current..

Cont'd attempts collect debt not owed

Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.

Improper use of your report

Equifax mishandled my information, which puts me at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Credit reporting company's investigation

I file a dispute with the credit bureau it took this agency one week to say this account on my credit is maine how can a company says account belong to you when i write these creditor. their no response how is company able to validate a debt when i get no response what is their procedures of validation i have identity theft on my report the credit bureau isnt obeying the 609 laws on federal credit reporting act before they report on file

Incorrect information on your report

I do not have a XXXX 's XXXX credit card but, there is an account showing on my credit report from XXXX XXXX. Please remove this account from my credit file.

Cont'd attempts collect debt not owed

Phone call harassment all hours of the day, will not stop calling. I do not owe anybody any money, never missed a payment in my life and am a XXXX veteran

Problem with a credit reporting company's investigation into an existing problem

Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!

Incorrect information on credit report

In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.

Other features, terms, or problems

I have contacted CapitalOne customer service several times in the past several weeks from XX/XX/XXXX to current date. The company mentioned in my last chat session with XXXX XXXX that some customers did receive the end of year statement but I'm just one of the unfortunate that have not. All tax documents are to be completed and mailed by XX/XX/XXXX with mine still not processed or mail.

Written notification about debt

XXXX XXXX {$190.00} has placed another collection account XXXX/XXXX/XXXX. I have not lived in Georgia since XXXX XXXX, XXXX. I am currently residing in XXXX XXXX, Nevada. I have informed them as of last week when I called to dispute another collection with them for XXXX XXXX/XXXX/XXXX from the same medical business. They are rude and refuse to listen to anything you have to say.

Incorrect information on your report

Please see the annexed complaint with exhibits against XXXX XXXX XXXX. On XXXX XXXX, 2017, XXXX previously responded to a compliant filed by the undersigned but the response contained false and misleading statements. The undersigned tried to contact XXXX and has demanded information but XXXX has ignored the issues altogether.

Communication tactics

The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for XXXX XXXX contacted my daughters cell phone in order to contact me for a Debt that over XXXX years old well exceeding the statue of limitations in XXXX of XXXX years. When I contacted them they threated by stating to sue for an amount triple of the original amount.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Late fee

Did not receive XXXX paper statement in mail. Confirmed US Mail option is checked. Called cust serv. CSR said that paperless option must be checked. Not true, I 've historically received paper statements and I confirmed before calling Citi that paper option checked. They refused to credit {$25.00} fee. I cancelled this CC account. Very disappointed in Citi as this appears to be fraudulent and a means to a money grab.

Can't repay my loan

The XXXX school that I went to is being sued by the government for being fraudulent

Credit reporting company's investigation

How can Early Warning Systems say they investigated and validated the item with XXXX XXXX XXXX, when XXXX XXXX XXXX per the attached letter says they do not have any bank records. Early Warning Systems, this is your Early Warning to please delete the items related to XXXX XXXX XXXX. See attached supporting documents. cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Cont'd attempts collect debt not owed

I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.

Taking/threatening an illegal action

I would gladly pay this debt, if I could send a check to an address and be done with it. They want me to do a payment over the phone ... .never. Have this debt collector contact me thru the MAIL and I will pay the debt, WHETHER or not I owe it.

Incorrect information on credit report

Equifax will not remove inquiries that were not allowed by me. I contacted XXXX XXXX and even received a letter advising Equifax to remove the inquiry. Contacted Equifax on XXXX ( before I received the letter ) XXXX, XXXX, and recently XXXX. Always receiving that inquries are a factual occurance and will not be removed, see attached letter from Equifax.

Loan servicing, payments, escrow account

If you make your payment on line and it is the XXXX or after they charge a {$10.00} Rush fee - even though the payment is not delinquent ( assessed a late charge until the XXXX ) There is no way to pay your payment on line after the XXXX with paying this fee. Additionally, if you pay after the XXXX of the month they assess a late charge and the fee. I want my {$10.00} fees back.

Advertising and marketing

I was offered a promotional balance for a certain amount of time. After paying one day late and receiving a charge of more than {$400.00} balance promotion stopped and I was not advised properly. This unfair marketing practices made me incur again in another unexpected {$200.00} charge.

Using a debit or ATM card

Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.

Struggling to pay mortgage

SPS is reporting late payments during the loan modification even though they advised me they would not report late payments. They forced me to go past due and would n't take my payments promising me that it would n't show late on credit.

Communication tactics

collection agency who does not exist ( fraud ) mACS XXXX his name was XXXX XXXX probably alias. stated was from a collection and have to make a settlement on an acct which does not exist from a cking acct from 2009.

Incorrect information on your report

We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.

Fraud or scam

i recently make a purchase using how payment metode paypal butthe seller never give me the service i make a claim inside paypal butthey go in seller favor this is the unique transaction number XXXX and i thinking this is fraudulent seller soplease helpme to get back my money

Loan servicing, payments, escrow account

Wells Fargo is not reporting my mortgage payments to credit reporting agencies even though I reaffirmed my mortgage following a 2014 bankruptcy.

False statements or representation

I have set up a payment plan with the correct Debt Collector. This person is not with them and they keep calling and threatening me with legal action if I don't give a down payment. They have quoted me several different balances and call from different number. she was abusive and refused to give me any account information and answer any questions. She lied about what I said in the phone call and continued to hang up. I recorded the phone call.

Improper contact or sharing of info

Collection Agency did not send any notices, did not send copies of bills and was not given the opportunity to dispute the debt. Was not aware of it until I received the court notice. Started making payments, still have not received notices to confirm payments. Contacted my employer for garnishment, still have not acknowledge the payments that was made.

False statements or representation

I do not owe them money. At the date I was receiving medicaid and medicaid should have paid for it.

Incorrect information on credit report

ALL CREDIT AGENCIES REPORTING OUTDATED PUBLIC RECORDS PAST 7YRS SINCE 2001 / NOT MY ACCOUNTS AND EXCESSIVE INQUIRIES

Incorrect information on your report

Identity theft fruadulent open accounts and inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date open XXXX XXXX, XXXX Amount XXXX Inquiry transunion XXXX XXXX Date XXXX

Disclosure verification of debt

I have discovered this on my credit reports. It had been removed, now its back. I demand this be deleted as Paramount has failed to validate and proof this.

Incorrect information on credit report

Equifax continues to carry incorrect information. Multiple contacts. They do n't remove any of it.

Incorrect information on credit report

Incorrect information is showing on my credit report far as my address they have XXXX,XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX. but my address is XXXX

Incorrect information on credit report

XXXX late payment is showing up on my report, Per Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the FCRA never verify any information and now refusing to delete late payment.

Taking/threatening an illegal action

Received phone message at work from XXXX at API XXXX that I was being sued for a debt and they were sending paperwork to my employer and the XXXX XXXX. Did not identify original debt or amount or send me anything in the mail about this.

Can't repay my loan

I have had many problems with Navient student loans, they changed my rate many times, and they are always changing there rules. It 's very sad what these companies in America are doing the the american students. I am XXXX and i cant buy a house because of these students, i pay {$300.00} a month and my loans are not moving from this company

Incorrect information on credit report

Experian has not removed this item, although they have been contacted by XXXX as well as I have submitted documentation directly from XXXX that states the line item should be removed.

Incorrect information on credit report

I sent out a certified letter to XXXX requesting them to verify this account, I pulled the address from credit report from Experian. It came back to me because Experian must have the wrong address on my credit report. By law in which stuff like this protects the costumer XXXX had 30 days to verify. Since my letter to them game back to me dated XX/XX/2016 Experian has refused to remove this trade line that does not belong to me.

Improper contact or sharing of info

Account Resolution Services has continued to harass me for someone else 's debt. From what they have told me they are trying to collect from XXXX. They keep calling me. I have told them numberous times to take my number off their list. They continue to change phone numbers and use VOIP. I tell them I am not XXXX and they say sure XXXX we will call back. My number is also registered to my XXXX. These calls need to stop or I will hire a lawyer.

Cont'd attempts collect debt not owed

father used my social security number to take out XXXX credit cards under my name

Disclosure verification of debt

This is not my debt and I never even received a debt collection letter. I received an electronic notification from XXXX XXXX that this collection agency added a delinquent account to my credit reports. I want this company to produce ALL information, contracts with my signature, account summary from the original creditor, information showing the date this account became delinquent, and the date this account was originally placed for collection.

Loan modification,collection,foreclosure

I was given a loan from Countrywide for 100 % of my purchase price on XXXX. I am currently in Foreclosure. Please help me and my family save our home. Thank youXXXX XXXX

Cont'd attempts collect debt not owed

I do n't owe this company any money, I never had a at & t account. I will not pay for a debt that do not belong to me.This account is fraud and I will not be responsible for this debt.it is illegal for this company to obtain my personal information from another company. I 'm tired of being harassed about this account. I know my rights

Incorrect information on credit report

This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!!

Incorrect information on your report

NCB MANAGEMENT SERVICES for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through XXXX XXXX XXXX. This was written off in XX/XX/XXXXand and should have been removed from my credit report in XX/XX/XXXX. At that time NCB purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.

Loan servicing, payments, escrow account

Nationstar Mortgage is inaccurately reporting negative information on my account to multiple credit reporting agencies. I have previously disputed this issue and Nationstar has not made the necessary corrections.

Communication tactics

I contacted this company last year in the hopes of settletling a debt, the representative threated to send an attorney after me. Today i attempted to call them again and the representative XXXX would not let me speak, he claimed he did not want to hear my sob stories, that those were my problems not his.

Cont'd attempts collect debt not owed

There are XXXX Capital one credit card accounts listed which I never had XXXX, my father whom past away XX/XX/XXXX had the same name as me and I had a business that was closed in XX/XX/XXXX I do recall XXXX account which was a business debt NOT personal. I need some assistance requested verification and validation nothing received.

Improper use of your report

Equifax has divulged my information to hackers through their poor security. I used their website to verify whether or not my information may or may not have been compromised. The results of the investigation is that my personal information may impacted. DATE : XX/XX/2017

Billing disputes

Barclays continue to post that I have a charge off account and my account is paid in full never a charge off. I do n't owe any money and company wont send me a payment history just keeps saying I owe them. XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....

Incorrect information on credit report

I want to have this issue removed from XXXX and XXXX as well

Advertising and marketing, including promotional offers

TD Bank opened a new credit card i did not ask fpr without my permission and without notifying me or my wife.

Problem with fraud alerts or security freezes

I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.

Incorrect information on credit report

I applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. Thanks, XXXX XXXX

Problem with a credit reporting company's investigation into an existing problem

I was trying to find out if my personal information was breached from XXXX. I Called Equifax and took all my information again and told me to sign up on TrustedID.com and told me that I have to pay them to protect my information after a year of service. Please help

Incorrect information on credit report

I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? It was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX

Using a debit or ATM card

On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.

Problems caused by my funds being low

I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! Frustratingly yours, XXXX XXXX.