Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I called Equifax and spoke with a representative named XXXX about why this unverified inaccurate Bankruptcy was not removed from my credit report, after sending them the supporting documents from XXXX. After speaking to her supervisor she suggested that I call XXXX and have them submit something by fax saying they DO NOT have this bankruptcy on my file. I immediately called XXXX and spoke with a representative by the name of XXXX ( ID # XXXX ), she informed me that Equifax can access their data base and see anything they needed. XXXX wanted to investigate the issue more and asked to call me back within 24hrs.  On XX/XX/XXXX while waiting, I called Equifax back and spoke with a representative named XXXX, she said in order to have this bankruptcy removed from my credit report XXXX needs to send them the code to have it removed. While on the phone XXXX from XXXX called back at XXXX and said once Equifax submit the dispute then they will respond to them and give them the information needed to remove it. 

This bankruptcy has been disputed multiple times since XX/XX/XXXX, when I received the resolution letter from XXXX. XXXX and Equifax need to stop playing the blame game and remove this from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Funds not handled or disbursed as instructed

My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX  : Citibank XXXX NY Branch Date promotional deposit of {$50000.00} made : XX/XX/XXXX I made a deposit of XXXX into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$50000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$500.00} into my account. 

I have contacted XXXX XXXX XXXX, Manager Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

She also refuses to make contact with me over the phone despite repeated calls to the branch ( Citibank XXXX NY ) Please help me get the promotional fee of {$500.00} that they advertised they will pay, and ask them to honor their commitment, after keeping my {$50000.00} for over one year now. 
Thank you.
Complaint sub-issue: Can't close your account

I have a PNC business checking account. After transferring the funds from that, I sent one email to local branch manager, XXXX to close the account on XXXX XX/XX/2022. I tried calling PNC business account customer service but it was a seriously long hold time ( around 35+ minutes ) and thus i sent an email to XXXX regarding closing the account. But it seems that XXXX couldn't action the closure and PNC charged my account {$10.00} fees on XXXX XX/XX/2022.
Complaint sub-issue: Account information incorrect

I disputed some in correct information on my credit report. I disputed with Bureau whom verified as account reporting accurately on my report. I sent a follow up letter asking for verification and to ensure proper reporting. This Bureau is not properly following XXXX XXXX and XXXX compliance protocol.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Accounts # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681s-2 A a person shall not furnish Any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Complaint sub-issue: Information belongs to someone else

There are numerous accounts being reported on my credit report that I have no knowledge of. This was a result of malpractice or an error.
Complaint sub-issue: Didn't receive services that were advertised

Ive been a victim of identity theft. I have been for the the past two months constantly disputing errors on my credit reports. Now I have a service with XXXX  called true identity. Today Ive just realized I had our purchased this service. So I have been in contact with XXXX multiple times. They are very unhelpful. They have my account to dispute locked up so I can not submit my initial fraud affidavit online. I spent hours calling and they are completely rude and not wanting you help. Its obvious of that much. I paid for an identity theft resorting service through them. I called today specifically about this to get told a different phone number I need to call each time total of 3-4 times. I have spoken to this company numerous times and am very dissatisfied with the type of treatment / service Ive received. Im the victim here they dont seem to care they just want to get me off the phone ASAP. Should I sue? Im unsure what to do about this. Also Equifax was pretty much the same way while XXXX fraud department was excellent to deal with. I think XXXX  and Equifax should learn to treat the victims as such. I will add my information was compromised to my knowledge in both companys past breaches. I believe that all non account holding inquiries are fraud. As well accounts labeled XXXX XXXX XXXX, XXXX, XXXX, XXXX,. Ive tried contacting the creditors as well asking for debt verification and received one response form a company called total card which I will attach this letter. Delete all inaccurate fraudulent unverifiable information immediately while Under investigations and after as well. Because I have no knowledge of the disputed items.
Complaint sub-issue: Problem making or receiving payments

I am trying to connect my PNC bank account to a 3rd party payroll system to get our nanny on payroll and PNC is blocking me from doing so. Why is that?
Complaint sub-issue: Banking errors

Citi sent me a promotion where if I deposit new funds for {$50000.00} ( 3 checks from outside institutions- NOT CITI BANK- consisting of {$43000.00}, {$5000.00}, and {$2000.00} on XX/XX/XXXX were deposited at Citi Bank and transferred to a new Citi brokerage account ) within 2 months of opening an account or funding my existing account, enroll in Citi Personal Wealth Management account in e-delivery of statements within 2 months of opening an account and maintain the new funding through the end of the following month, I would receive {$500.00} by XX/XX/XXXX. 

I met all these requirements. I called Citi on XX/XX/XXXX and verified I completed the requirements and that my checks were deposited correctly and that my brokerage account was opened correctly for the bonus. 

The brochure promised that I would receive {$500.00} no later than XX/XX/XXXX, but I never received the bonus! 

I called Citi ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, I was assured that I was eligible for the bonus and should have received it. Yet, I have not received the {$500.00} bonus.
Complaint sub-issue: Information belongs to someone else

Equifax Confirmation # :XXXX Equifax has my credit file mixed with other individuals, and I have contacted them multiple times by phone, and certified letter to make them aware of this and they refuse to act. It has been more than 30 days since I made Equifax aware that my credit file was mixed with someone else 's and it remains mixed, and this mere fact is one of the many violations that Equifax continues to commit against me. There is also incorrect personal information on my credit report that I have made Equifax aware of and they refuse to remove it. I have proved Equifax a copy of all of my relevant information many times so they could correct this information. Equifax has also reinserted many items into my credit report that were previously deleted, and then they went back and improperly reinserted. I have made Equifax aware of the improper reinsertions, and they have refused to correct the improper illegal reinsertion. I have provided Equifax proof of their improper reinsertions and they have refused to act. To sum it up Equifax has taken the position that they do n't have to do anything to correct any of the issues on my credit file and they continue to defame my character by reporting incorrect/fraudulent information over the past year, and they are in violation of the law.
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The accounts that were previously deleted and reinserted are the following : XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These accounts were previously deleted after investigation and then reinserted without the required notification to the consumer. Equifax flat out ignores me when I try to bring this to their attention.
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The accounts that are on my credit file that are listed under someone else 's name and social security number are as follows : 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, XXXX XXXX XXXX None of these accounts are mine and I have told Equifax many times that they had my file mixed with someone else 's and more than 30 days have passed, and nothing has happened my file continues to be mixed with someone else 's, and this is illegal and a defamation of character.
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The following personal information is incorrect on my credit file, and Equifax refuses to correct it and ignores my certified letters, and phone calls to them : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( fraudulent address ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX ( Fraudulent Address ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Fraudulent Address ), XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX ( Fraudulent Address ) Social Security Variation : XXXX ( fraudulent ) Social Security Variation : XXXX ( fraudulent ) Social Security Variation : XXXX ( Fraudulent ) Social Security Variation : XXXX ( Fraudulent ) Also the name XXXX XXXX appears on my credit file and I have no idea who that is or why it is on my credit file.
Complaint sub-issue: Information belongs to someone else

This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX/XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  AND EQUIFAX HAS FAILED TO DELETE ALL NEGATIVE REMARKS ON MY PREVIOUS STUDENT LOAN ACCOUNTS. XXXX  DELETED ALL BUT ONE NEGATIVE STUDENT LOAN ACCOUNT. I WAS NEVER LATE ON MY STUDENT LOAN ACCOUNTS. THE LATE PAYMENTS OCCURED AFTER THE LOAN WAS ALREADY PAID OFF AND CLOSED FROM A CONSOLIDATION I DID. A LATE PAYMENT CAN NOT OCCUR ON AN ACCOUNT WHEN THAT ACCOUNT HAS BEEN PAID AND CLOSED. HOW IS THIS POSSIBLE? I HAVE TRIED TO FIX THIS DIRECTLY WITH THE LOAN SERVICER IN WHICH THEY CLAIM THEY HAVE FIXED THE ISSUE. BUT IF YOU SIMPLY LOOK AT MY CREDIT, THE ERRORS ARE STILL THERE. CFPB NEEDS TO ESCALATE THIS TO THE HIGHEST LEVEL POSSIBLE AS THIS IS A COMPLAINT THAT HAS BEEN ONGOING FOR OVER A YEAR AND COUNTING!!!!!!!!!!!!!!!!!!!!!! I AM DISGUSTED AT HOW THINGS ARE BEING INVESTIGATED AND " RESOLVED ''. THE ONLY RESOLUTION TO THIS IS TO DELETE ALL NEGATIVE INFORMATION TIED TO MY PREVIOUS STUDENT LOAN ACCOUNTS.
Complaint sub-issue: Report improperly shared by CRC

I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. The company has not replied nor provided supporting documentation to validate the inquiry or removed the inquiry. 
Therefore, I am seeking your assistance in this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed an account & a few hard inquiries on my credit report that I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/ I submitted an ACH payment in the amount of {$210.00} from my previously used and saved bank account ending in XXXX. About a week later I get a notification from all 3 credit bureaus stating Total Card reported me 30 days late. I called and asked what exactly was going on with my account and they claimed that my bank account didnt exist. Thats not accurate as that was my main bank account and used it previously with Total and was even my primary saved payment method on my Total Card profile. I sent in proof of my bank statement for the month of XXXX showing my bank account was active and even pointed out other creditors I paid successfully. My bank statement NEVER showed a returned payment for that month and after speaking to multiple supervisors including a supervisor from the IT department they clearly said this was an error on the creditors system as a request for payment from Total Card was never submitted. I sent in a statement and my bank statement via fax and email to Total at the beginning of XXXX and again in XXXX and not once did I receive a phone call or email from response them. I was advised by multiple sources that any investigation shouldnt take more than 30 days. Ive yet to receive any response even after contacting the XXXX   regarding this issue with Total. I hope to have this resolved soon as its done dire harm to my credit and chances of buying a car. Thank you all for your time!!!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.
Complaint sub-issue: Charged too much interest

I have two credit lines with Citi bank. One balance is {$2200.00} and other balance is {$940.00}. I have been paying 14.99 % interest for many months and my monthly payments are over minimum required but balance does not change by much over the years. I have called them many times requesting to combine the two at lower interest and they always say they do not have any offers. I explained I am in a lower income bracket since these were approved when I lived in XXXX. I now live in XXXX with rural based poverty level income.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am a XXXX and made a purchase with my discover card on XX/XX/2020 for a spring vacation for my mom and me for XX/XX/XXXX. I made the purchase with XXXX and charged in on my Discover card for the amount of {$3400.00}. The Corona virus hit NJ and schools were closed and my Mom lost her job as well. We were house bound and worried due to the danger of this virus and the fact that we live with elderly grandparents. The flights were cancelled and I was shocked to learn that XXXX would not refund the money. I contacted them numerous times but no one would answer. I called Discover card and they agreed to help me. This has been ongoing since the XXXX statement and they have issued temporary credits 3 times and revoked them. The final case XXXX concluded that they did not find it in my favor and included the transaction receipt from the XXXX booking. My dispute is not about whether I purchased the ticket but the dispute is that the trip never happened and was cancelled due to the pandemic. The service was not provided and I should not be held accountable as this is a violation of my consumer rights. I am looking to finally get this refund back on my card for good.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S, C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Reporting company used your report improperly

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I opened this card with a {$2000.00} credit limit in XX/XX/XXXX I have never paid this card late I have always paid way above the minimum payment due I just received a credit limit increase in XX/XX/XXXX bringing my credit limit up to {$5000.00} my balance on the card has never gone over XXXX % and then in XX/XX/XXXX my credit limit was dropped to {$600.00} while my bill was {$580.00} bringing my card to 90 % percent usage and dropping my credit score when I asked XXXX 's XXXX XXXX for a reason they would give me and increase and then a massive decrease in 30 day timespan I was told due to them checking my XXXX  score and it was a XXXX that is completely false I pay for my credit score from all 3 major credit bureaus directly and my credit score has not been in the XXXX 's at all and there was no ding to my credit from XXXX to XXXX to prompt any issue and in fact XXXX 's affected my credit by putting me so close to the limit and increasing my debt ratio I want my credit limit increase or this card closed I have attached my credit report from XXXX to XXXX
Complaint sub-issue: Debt is not yours

Violation of the Color of Law, there has NEVER been any lawful contract, agreement or obligation between this creditor and myself, if or when this creditor purchased the alleged debt without my consent, knowledge or approval, any and all obligations were satisfied under the TRUTH IN LENDING ACT, 15 USC 1601 and 15 USC 1602. If there was any language within the original contract, agreement, promissory note that would have caused me to unknowingly violate any of my rights then or now I rescind pursuant to 15 USC 1693l and 15 USC 1635. 

It has also come to my attention that the Attorney XXXX XXXX XXXX, XXXX on behalf of his client XXXX XXXX XXXXXXXX routinely and habitually violate federal law concerning consumers pursuant to the Truth In Lending Act and The Federal Arbitration Act ( FAA ). 

Both XXXX XXXX XXXX and their Attorney of Record XXXX XXXX, XXXX unlawfully defraud consumers and the United States by seeking and being granted default judgements against consumers knowing the contracts have a mandatory ARBITRATION CLAUSE. 

The " cover PERSON '' XXXX XXXX and their attorney XXXX XXXX XXXX, XXXX who they keep on retainer as a normal business practice run a ruse on the court by falsely and misleading representing to the court, that the court has jurisdiction while the attorney of record XXXX XXXX XXXX clearly knows it does not! The default judgement was only granted by the deceptive forms pursuant to 15 USC 1692j the attorney of record presented to the clerk of the court. 

See attached Loan Agreement and Promissory Note which clearly outlines ARBITRATION, which the attorney of record conveniently and purposely ignored informing the court. 

See attached Civil Action File by attorney of record XXXX XXXX XXXX, XXXX who purposely lied to the clerk of court in his filing by stating the Court had jurisdiction when it CLEARLY DID NOT!!!!!!
Complaint sub-issue: Information belongs to someone else

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE TRIED NUMEROUS TIMES TO HAVE THE NEGATIVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. NOW I HAVE SENT POLICE REPORT AND MY IDENTITY THEFT REPORT TO THE BUREAUS AND I HAVE ALOS SENT THEM THE LAW THAT AFTER 7 YEARS THE NEGATIVE ACCOUNTS MUST BE REMOVED FROM REPORTING. THE CHARGES ARE FRAUDULENT, THE ACCOUNTS WERE OPENED WITH OUT MY KNOWLEDGE, PLEASE REMOVE THE NEGATIVE ITEMS FROM MY CREIT REPORT.