Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

Bank of the West sent me the offer and promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to the upper level but till today XX/XX/2023 I didnt receive this money. 
I called the fraud department of the bank where the representative told me that they have a limit of one complaint for a household and didn't take my complaint for not giving me {$200.00} reward for using their credit card as they advertised. This is false advertising and I believe that they ( Bank of the West ) stole my money. 
Me and my husband we are two different persons and used two different credit cards that is why I believe we can open a class action against the fraudulent advertising and for not giving us awarded money. 
I received the email with a confirmation of successfully completed the requirements for receiving {$200.00} for my account. But never received this money.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8100.00}, {$17000.00}, {$450.00}, {$28000.00}, {$10000.00}, {$19000.00}, {$7200.00}, {$13000.00}, {$30000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Complaint sub-issue: Debt is not yours

The company has 2 charged on my profile. I closed my cable account and returned box yet not only did they still charge me they added an additional collection, no idea what for. This amount owed as stated, two times, is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

Received an alert from Equifax, stating, I applied for credit from XXXX XXXX XXXX on XX/XX/XXXX. Contacted XXXX XXXX XXXX on XX/XX/XXXX, spoke with several individuals over 45 minutes. XXXX stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with Equifax on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. Equifax stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from XXXX XXXX XXXX and I need to contact XXXX. I contacted XXXX on XX/XX/XXXX, they said I need to contact Equifax to have it removed. Called Equifax again, informed them what XXXX said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact XXXX, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with Equifax and XXXX XXXX XXXX requesting the hard inquiry be removed from my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A - States I have rights to my privacy 15 U.S.C. 1681 Section 604 A ( 2 ) - Further states a consumer reporting agency can not furnish my account without my written consent or written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/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 you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXXXXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX   XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I learned from a credit reporting agency that an inquiry was made by First Progress, resulting in a drop in my credit score. 

After learning of this, I logged into the First Progress website and discovered an annual service fee and late fees on my billing statements. I called First Progress after discovering these fees. 

I am aware that this card has an annual fee ; however, I had discontinued using the card for the past year or two and because the card hasn't been used I stopped logging into First Progress website to check my balance. I expected to be notified via email, phone, or mail when the annual fee was due. 

I received zero notifications. 

I have reviewed my statements on the first progress website ; apparently, the annual fee of {$44.00} first appeared on a statement dated XXXX XX/XX/2019. 

Unaware the {$44.00} fee was due in XXXX, I did not pay it as I was not made aware of the balance. 

The next statement indicates that a late payment fee of {$28.00} was billed. And another statement to follow indicates an additional late payment fee of {$39.00}, giving me a balance of {$110.00} owed. 

Again, I only found out I was being billed for anything by the dip in my credit score via a credit reporting agency. You can imagine how this could have snowballed into owing thousands  of dollars to a company who's services I have ceased to use if I hadn't looked at my credit report. This seems unfair, unethical, and quite frankly, predatory. 

The representative at First Progress I spoke with had little to say when I explained that I had not received any bill, but did offer the removal of the recent {$39.00} late payment fee, explaining that that is all they could do. So I paid the remaining balance of {$72.00}. 

I have since closed my account with First Progress and am awaiting a refund of the original deposit I made when I opened the account. I was told by the representative I spoke with that a check for my original deposit would be mailed to me. 

It has been close to a month and I have received no refund.
Complaint sub-issue: Account status incorrect

I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.
Complaint sub-issue: Reporting company used your report improperly

i went to the dealership and they said they will only have XXXX pull my credit but they had cXXXX XXXX  do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

this complaint is abount pnc is reportin the wrong information. 
the type of problem is tring to communicate with the wrong amount of monery- I owe them.when I complain to the company, they give me the around. 
I have talked to XXXX at XXXX.talked to XXXX at XXXX. 
I have sended them information.i also talked to XXXX.
Complaint sub-issue: Personal information incorrect

I recently pulled my credit report from all three bureaus and noticed that Equifax is reporting my name incorrectly. I clicked on the link to file a dispute XXXX XXXX XXXX, however the link is broken and shows a blank white page. I had no issue with updating information through XXXX and XXXX online. It should be just as convenient with Equifax.
Complaint sub-issue: Problem with additional products or services purchased with the loan

I purchased a vehicle in XXXX XXXX and the transmission went so they gave me another car and the price went up and my finance company changed also they jacked the price up saying I put a certain down payment that did n't add up it was false it was a scam and now I owe so much money and the book value was n't adding up
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing due to the noncompliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have received a letter from the company Total Visa. I do not have money to have the letter notorized. The reason for the letter is that I have disputed the XXXX XXXX XXXX. I did agree to a trial from XXXX XXXX. but the service was not great and I did not agree to continue services. The sent me a email saying my account was suspended. The company has refused to accept recognition of that email and does not want to refund my account The company is XXXX. The company that needs the notorized letter is total visa. Please let me know if you need additional information to proceed with the dispute.
Complaint sub-issue: Account status incorrect

On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX  account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Complaint sub-issue: Investigation took more than 30 days

As ofXX/XX/XXXX- I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by Equifax data breach and may have landed into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

When i try to submit a dispute to equifax o line they will not except it and say i have to call them, they put me on hold, last time 30 minutes, never answered, in the past i have tried several times same problem
Complaint sub-issue: Account information incorrect

Hello CFPB! Can you please forward the folllowing documentation to Citi Bank and Best buy. Thank you!
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I have a XXXX XXXX XXXX Money Network card from my employer that my payroll is deposited to. On XX/XX/2020 5 unauthorized purchases posted to my account. Under the dates XX/XX/XXXX, I have charges for {$29.00}, {$1.00}, and {$120.00}. A charge on XX/XX/XXXX for {$14.00} and a charge dated XX/XX/XXXX for {$53.00}. I called the customer service department twice on XX/XX/XXXX to dispute the charges and asking for an explanation of the charges. I was told to call back in 7-10 days to allow the charges to clear and possibly I could dispute them. Id have to fill out a form, wait for them to investigate and it could be 90 days before Id see a refund, if they found the charges to be fraudulent. They refused to give me any information or an explanation as to how the charges were made without my card being swiped or anyone having access to my card or PIN numbers. Three of the charges are at a liquor store in NJ and I live in MT! They were rude, dismissive and kept asking if Id given my information or permission to anyone to use my card.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Inquiries being reported on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

ACCOUNTS ON MY REPORT ARE NOT MINE, I HAVE NO KNOWLEDGE OF THESE ACCOUNTS
Complaint sub-issue: Debt is not yours

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit bureaus.
Complaint sub-issue: Debt is not yours

We purchased and transferred service to XXXX for cellphones. They assured us we had service in our home town area. After using it for a while, it seemed to go in and out. I spoke with them SEVERAL times regarding this. After speaking with a manager, the manager informed me that we could be let out of our contracts due to our area being a bad spot and XXXX not offering service there. We switched companies and now they are charging us for these contracts that I was promised would be released. I do not owe this money. I have fought with them for years over it and then they placed it in collections and it is on my credit. I have disputed it as well through my credit agencies and they refuse to acknowledge that I do not owe this money. They 100 % gave me that option, I took it to have phones that work for our business and work, and now I have this showing and affecting our credit. I would like this to be canceled from their systems and the debt removed from our credit reports.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I have been attempting to dispute an alleged debt via the XXXX online dispute tool being furnished to my XXXX credit report and file by Remex inc, since XX/XX/2021. XXXX has reported Remex INC, partial account # XXXX opened on XXXX XXXX2021Remex inc has failed to produce the original instrument of indebtedness that proves that I am obligated to pay them anything. I never signed a trilateral contract including Remex INC., myself, and XXXX XXXXXXXX XXXX authorizing Remex INC to conduct business on my behalf or on behalf or for XXXX XXXXXXXX XXXX. If Remex INC can not immediately provide to me or produce the original instrument of indebtedness then they shall immediately stop reporting this fraudulent account to any of the credit reporting agencies and must stop attempting to collect this alleged debt! Remex INC is not authorized to obstruct contract law. This is a violation of the truth in lending act as well as the fair debt collection practices act and Remex INC must prove that they are not committing fraud!
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Bank : US Bank Reliacard Texas Unemployment Benefits XX/XX/2020 : The bank 's website rejected my password and forced me to re-set the password. 
I encounter consistent problems trying to log in to their website. 

XX/XX/2020 : Four attempts to use the card for purchases and a withdrawal of cash at an ATM card were declined. 

Their website has no forms to contact them, no email, no fax, no physical address, and no way at all to contact them except to call an XXXX number. 

That XXXX number repeatedly kicks me off the line, and when it does not kick me off it has wait times well over an hour and more. Have been unable to contact anybody from this bank. 

I am an old man, I need my money to pay rent and utilities.