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

I opened a new XXXX Checking account and submitted >XXXX transfer. 
The account is opened with an active offer that includes {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance >XXXX for more than 60 days in order to earn this bonus. 

This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020, XXXX XXXX  to me Hello, XXXX XXXX, The promotion was successfully attached to your new XXXX account. Thank you again for your patience. 

My apologies for my delayed responses to your emails. Tomorrow I will be out of office, I return Thursday. 

Best Regards, XXXX XXXX Personal Banker Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.
Complaint sub-issue: Personal information incorrect

XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, Sixth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.
Complaint sub-issue: Reporting company used your report improperly

Equifax is in violation my consumer rights by reporting inaccurate information about me.. I have contacted on Equifax, on XX/XX/2022 never heard anything, sent a second letter on XX/XX/2022 still waiting for an answer but willful violations occurs. I am victim of ID theft due to Equifax data breach. 

account name : ( XXXX  ) account number XXXX account : ( XXXX XXXX  XXXX ) account number XXXX account name : ( XXXX  ) account XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. Equifax, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.
Complaint sub-issue: Other problem getting your report or credit score

XXXX WAS LISTED ON OUR BK XX/XX/XXXX- XX/XX/XXXX AND IS STILL APPEARING ON OUR XXXX   CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.
Complaint sub-issue: Debt is not mine

Received a letter from the company stating that i owe a debt from XX/XX/2009. I told the company that I do n't believe that this is mt debt. I still have a current account with the company and I 've never been late on any payments. He told me that maybe somebody opened the account in my name because the addresses were accurate with my addresses. I have never received anything from this company stating that I owe a past debt. This account is 8 years old and past the statue of limitations for collection in my state. I do n't understand why this company is coming after me for now for and account that they say was closed in XX/XX/2009. I want this company to stop contacting me for this phantom debt that I dont owe.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I, am file a formal compliant again against Citi bank NA. That I though that had already being clean up and settle. some time on or about XX/XX/2013. we apply for a credit card an was deny. I came to the consumer financial protection bureau service for help. And to explain all the fact to then what I believer was race and discrimination. my compliant was surround there scores system. And being XXXX America with out any late payment or missed payment. Citi bank deny me a credit card but after the compliant was file they conduct there investigation that it was an error in the there system. just because of the discrimination claim they approve the credit line of XXXX with a cash avd. XXXX in about three month I request an increase and was prove that day with no credit check and got prove up to XXXX. again no missed negative. the only thank change was my age. income in my house went up. .Citi bank stated that they comply with ECO act equal credit opporturty act.. and they have decrease down to XXXX for no reason at all and pull a sores from XXXX who got big problem in it agency.
Complaint sub-issue: Didn't receive enough information to verify debt

Back in XX/XX/XXXX I noticed a collection on my credit report by XXXX XXXX for a debt owed to XXXX in XX/XX/XXXX. I had no idea about any debt I owed XXXX. I called XXXX XXXX and they said they could find any information about it and the Representative told me to dispute it. So I did and it was removed from my credit report. 

Fast Forward to today. I find another collection on my credit report but this time from EOS CCA. Same amount and from XXXX. For the record, I never received any correspondence notifying me of the debt from EOS CCA. So I called EOS CCA to explain that I did not owe the debt and had no idea about the debt except that another collection agency reported it on my credit in XX/XX/XXXX and it was removed. They said they did not care and that I either settle or the collection would stay. So I disputed it again with EOS CCA but they told XXXX XXXX that the debt was good. So I called XXXX XXXX and they said they don't actually verify the debt they just ask EOS CCA if it is valid and if they say yes than the collection stays on the report. XXXX XXXX did say if I had any proof that the debt isn't mine than I could submit it. There lies the problem,. I have no clue what this debt is so I have nothing. I tried getting something from XXXX XXXX but to no avail as I give them every piece of information I can but they can't find anything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My social security number was compromised in XX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my Equifax report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.
Complaint sub-issue: Account information incorrect

The credit agencies is incorrectly reporting that XXXX/XXXX  was late in XXXX - XX/XX/XXXX ; XXXX and XX/XX/XXXX.This is inaccurate information reporting on my credit file.
Complaint sub-issue: Reporting company used your report improperly

My personal financial information was comprised by Equifax.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Accounts # 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 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: Information belongs to someone else

XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}
Complaint sub-issue: Frequent or repeated calls

Last year on XX/XX/2017 I got a XXXX XXXX XXXX at this restaurant called XXXX XXXX, located in XXXX, MD, XXXX. Before ordering I made aware to the manager and the server about my XXXX XXXX XXXX. I ordered a steak dish to prevent any cross contamination. Unfortunately, I got a XXXX XXXX XXXX on which I ended up in the hospital, missing days at work because of this issue. Before taking me to the hospital in the ambulance, my family talked to the manager about, their terrible mistake how dangerous that could ended up. The manager explained to us that their insurance was going to take care of all the medical expenses. Its been more than a year and the collection agency keeps calling me every single day to collect this debt that has also affected my credit score and other things because this debt cant be paid. I have taken all the medical bills since day 1 to the restaurant and brought to the manager 's attention but nothing has been done. I want to know how can you help me solve this. Thank you
Complaint sub-issue: Information belongs to someone else

XXXX  refuses to remove fraudulent accounts from my credit report. Below is the following complaint was submitted to them : I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already most of these fraudulent accounts and have emoved these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX   system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Complaint sub-issue: Debt was result of identity theft

In 2017 Citibank charged me {$1500.00} for 2 fraudulent transactions that weren't made by me. Now after 2 years, Citibank added {$1300.00} in interests and fees and sold the debt to multiple collection companies. One after another tried to collect the same amount of money from me. 2 weeks ago, XXXX XXXX XXXX agreed not to contact me anymore for the debt. Today, XXXX XXXX XXXX contacted me to try to collect {$2500.00}.
Complaint sub-issue: No notice of investigation status/result

Equifax has many times refused to investigate the underlying debt from XXXX that produced a lien from the State of Michigan, even though that lien and the underlying debt was disputed and eventually deemed not owed. Due to the lack of response from the State of Michigan, it took over year for the lien to be removed after the state was legally required to remove it. 
Equifax continues to confirm that the lien was there up until XX/XX/XXXX, but never looks at the underlying debt date and disposition. They refuse to do a full investigation on this item and refuse to remove the lien that was based on a debt not owed from over 10 years ago.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

This is a reply for this complaint # COMPLAINT ID XXXX SUBMITTED ON XXXXHello, I received your reply back from Equifax and am appalled that this even passed your system as a 'response '. If they don't have a file for me, I wouldn't have a credit report with them This is my name : XXXX XXXX This is the last 4 digits of my SSN : XXXX This is my DOB : XX/XX/XXXX This is my mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MS XXXX I specifically wrote this complaint against them because they keep IGNORING my credit disputes! Now they are saying that I'm NOT me and I'm not requesting this as ME ; what kind of foolishness is this???!!! 

This is becoming frustrating and I'm coming to YOU, the federal government for help! Here is a repeat of my 1st complaint, I'd like for it to be actually investigated this time versus Equifax sending me a bogus response to buy more time. If this keeps happening, I'll have no choice but to speak with an attorney ; a consumer should NOT have to go through this during these times!!!! We are dealing with enough as it is! 

Original Complaint : I have been disputing this account since XX/XX/XXXX and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.
Complaint sub-issue: Unable to open an account

My husband spoke by phone with XXXX XXXX who was supposedly with Sterling Banking XXXX on XX/XX/19 about opening a {$250000.00} CD with him because they had such high interest rates ( 3 %. ) He emailed us the forms we needed to fill out and fax or email back to him. I filled out the forms because we were approaching the deadline for the 3 % rate. We had a couple of questions about the form so I called the number on the form he gave us and I got the message that the number was not valid. I thought the form was old so I looked up a current number online. I was on hold 25 minutes and while waiting, I noticed the bank was mostly located on the east coast : NY, PA, etc. The first question I asked the rep was if the fax number on the forms was correct since the phone number was wrong. He told me their forms were all filled out ONLINE, not on paper. There was nothing faxed back. I asked for the correct web address for their bank and he gave me XXXX. We then started checking : First, XXXX XXXX 's website is not " secure. '' Second, his email is XXXX  and is " international. : Third, his " bank '' is located in California. We almost sent him all of our personal information and {$250000.00} of my dad 's retirement money. He seemed so legit on the phone. Scary!
Complaint sub-issue: Reporting company used your report improperly

Disputed in writing XX/XX/2022 via first class mail to all CRA regarding the accounts and they failed to repsond.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX. I asked The work number to blocked all my employment information due to security breach. Which I received information about my personal information being exposed to the public. I'm a victim of identity theft and XXXX XXXX. I want my information blocked. 


XX/XX/XXXX. I wanted to see if my information was block. The man told me he couldn't see nothing. I asked him for a full report. He stated he couldn't help and hung up.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I believe that I am a consumer who was negatively impacted by Equifax 's nationwide credit scoring error this XXXX. These are the reasons as follows : On XX/XX/2022 my credit score dropped XXXX points from XXXX to XXXX because my on-time payment history increased from 96 % to 100 % ( this does not make sense ). 

On XX/XX/2022, my credit score dropped again XXXX points from XXXX to XXXX because the negative payment history on my XXXX XXXX credit card was removed, my credit card utilization decreased from 24 % to 7 %, and my XXXX XXXX payment history now showed 100 % payments on-time ( again, this does not make any sense ). 

On XX/XX/2022, I was notified that my missed payments were removed which increased my on-time payment history for my US Department of Education account which dropped my score XXXX points from XXXX to XXXX ( does not make sense )!!!
Complaint sub-issue: Information belongs to someone else

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX {$150.00} Ammericollect : {$100.00} {$68.00} ; {$100.00} ; {$53.00} I sent a letter to the collection agencies XX/XX/2019, requesting for the debt to be validated, as well as reminding them of the HIPAA law, advising my permission was never given to the Healthcare providers to release my information to a third party. The debt was NEVER validated, nor was a response provided within 45 days provided by FCRA guidelines, that was outlined in the letter as well. XX/XX/2019, I sent a letter to all 3 major credit bureaus, XXXX, XXXX, XXXX disputing the accounts, providing attachment sent to collection agencies, also asking for proper investigation and proof of verification and what company verified it. XXXX investigated and removed the accounts. XXXX  and XXXX advised accounts being verified without any additional information on who verified it or how. I am aware of the Freedom of Information Act, which isn't being upheld from Credit Bureaus, nor collection agencies. Please REMOVE accounts!
Complaint sub-issue: Information belongs to someone else

many XXXX student loan accounts are reporting under my name, these are not mine, these were opened with out my knowledge and reporting under equifax only, they are not helpful even thought i have provided them my police report which shos that i had been a victim of ID theft, but still no answer they are not disputing properly and they are saying it was verified in two days, how is this possible., please i need you help as a consumer to have these inaccuracies removed from the equifax credit reporting agency . 
thank you
Complaint sub-issue: Didn't receive enough information to verify debt

I have received multiple bills from this collection company, but after research have discovered that they are not authorized to collect this debt in the state of Hawaii.
Complaint sub-issue: Information belongs to someone else

XXXX  my social and driver license was stolen as a result the individual used my personal information to obtain a property and rent a vehicle causing me to be arrested and charged for a crime I didnt do. I was unable to work and finally got the charges dismissed but the rental company was unable to provide specific information about the person who rented and how they were able to pass requirements to rent without verifying information. I noticed in XXXX they are some accounts in other states and I have never lived anywhere but XXXX nc. I need help with getting this creditors removed and getting my identity back. Earlier this year they used my name to obtain a temp job and I want to know how they have a valid identification card in my name
Complaint sub-issue: Information belongs to someone else

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Account information incorrect

I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.