Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

I opened an account with citibank - specifically checking and savings account under a promotion which they were running, The terms of the bonus was to open a citibank account package between XX/XX/18 - XX/XX/2018 and within 30 days deposit {$15000.00} to new checking or savings account and maintain the balance for 60 days - Get {$400.00} deposited to your account. 

I opened the account package on XX/XX/2018 and funded my savings and checking account with {$100.00} and {$15000.00} respectively on XX/XX/2018. It has been over 90 days since I satisfied the conditions of the offer and I am yet to receive the bonus. I did chat with the customer service twice and I was given different information both the times. Once I was told it is not 60 days and it is 60 business days. The offer does not says 60 business days and it is clearly 60 days. The other time I was just told to wait. 

It appears Citi is just giving a run around for their customers and not honoring their promotion. I have all evidence that I satisfied all terms of the offer. I would like to get my bonus ASAP
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX was contacted by " XXXX XXXX '' about a debt I " owe to CitiBank from a bestbuy card ''. I have never recieved paperwork or any means to verify, and the associate on the phone told me I could not receive anythiung unless i gave him my checking account # and a routing #. I was told repeatedly this is the only way I could see any of those records. I really want to get rid of this debt but am scared I am being scammed and cant figure out how to verify anything
Complaint sub-issue: Problem with rewards from credit card

In XXXX in the statements from : End XXXX, End XXXX, End XXXX, End XXXX and End XXXX The category Bonus on my Cash+ card from US Bank were not credited. 
On the statements at the Bonus Furniture + Utilities the amount is {$0.00}. 

Strangely the statement of End of XXXX is correct. 

Charges were from XXXX XXXX ( XXXX ) and XXXX XXXX. Both charges have been credited each month prior without any issue or missing amounts. 

I contacted US Bank via phone on XX/XX/XXXX, they said to look into it. 
I received a letter dating XX/XX/XXXX saying that nothing is wrong but I can fax any transactions details where I see missing rewards. 
I faxed on XX/XX/XXXX all 6 statements of Q3 and Q4, highlight what is missing and the amount. 

I received a letter XX/XX/XXXX stating that Q4 the bonus category wasn't selected. 

How can that be? I am pretty sure I did and on the statements it also shows this. 
That still doesn't explain why two statements in Q3 don't have it, but XXXX has it.
Complaint sub-issue: Account status incorrect

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  with no successful resolution. Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Complaint sub-issue: Other problem

On XX/XX/2021 I over paid my credit card by {$490.00} trying to pay off the balance. On XX/XX/2021 I contacted Citi Bank to request a refund on the over payment. On XX/XX/2021 Citi Bank claims to have initiated a refund of the over payment. 
Around XX/XX/2021 I again spoke with their customer service dept saying the refund check had not arrived. They verified that a check had been issued and mailed, but not cashed. They said they would reissue a replacement check and promised to expedite the process. Now almost another XXXX weeks have past and still " the check is in the mail ''. I find it ironic that they are able to slap a consumer with a late fee and charge interest if you fail to pay them promptly and when promised, but they can claim the excuse the Post Office must be to blame because of the Covid19 pandemic. Very convenient.
Complaint sub-issue: Debt is not yours

To whom it may concern, I am writing a cease-and-desist letter to remove the following information from my credit report and stop reporting this on my credit report as a collection account. Procollect actions continually violate the Federal Debt Collection Practices Act ( FDCPA ). Procollect continues to report false information on my credit report and fails to provide proof that I owe XXXX Apartments. For over a year, Procollect failed to provide information or evidence that I owe XXXX Apartments. I have provided valid information and documentation showing that my final bill was paid before moving out due to neglected damages by XXXX XXXX. 

As stated through verbal communication and email for over a year now with staff from Procollect, this account has been settled. Furthermore, the Property Manager and staff said that I didnt have to pay the termination fee due to damages to the apartment from XXXX XXXX XXXX. My apartment suffered significant damages from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, which the apartment management failed to fix promptly. We were without running water, and the water pipes burst, causing an unsafe living environment due to mold for my family and small kids. 

I request that XXXX XXXX XXXX, XXXX remove this from my credit file immediately. 

I appreciate your help, and I look forward to hearing from you. 

Sincerely,
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received an alert XX/XX/2021 from my mortgage lender that a 3rd party collection agency General Revenue on behalf of XXXX University had placed a debt for a federal loan amount due for {$720.00} on all three of my credit bureaus. My concern is in light of the America Rescue Plan this debt should not be enforced until after XX/XX/2021.
Complaint sub-issue: Didn't receive enough information to verify debt

The credit bureaus refused to provide you their MOV ( Method of Verification ) for the Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account
Complaint sub-issue: Problem with personal statement of dispute

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Balance : {$2100.00} Account Name : XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$330.00}, {$160.00} For one, I have disputed these three accounts with the credit bureaus since XXXX of 2021, and have not gotten any response about how the accounts are verified and validated. These accounts are not reporting consistently and therefore I am using my rights to dispute if I find any incorrect and unverifiable items on my credit report.

For two, I have disputed the accounts directly with the original creditors and found that they haven't received any communication from the credit bureaus about a re-investigation. I am fixing my credit because I am trying to get approved for a loan. I did all that I could to get the bureaus to respond to my disputes with proof of the validity of the information reported on each account but I feel like my efforts are wasted.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I REQUESTED INVESTIGATION The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of this fraudulent account.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed accounts with XXXX XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud or a mix match file that does not belong to me BUT SOMEONE ELSE WITH A SIMILAR NAME, this is in accurate, I have never opened or closed any account with XXXX XXXX XXXX. This account does not belong to me. I have never gave XXXX  MY SOCIAL SECURITY NUMBER OR PERSONAL INFORMATION TO OPEN ANY ACCOUNT. This grounds for removal and deletion immediately. I never gave XXXX XXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD OR MIX MATCH FILE. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULANT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX XXXX They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. THIS ACCOUNT IS Obsolete Outdated AND Too old to be on file ACCORDING TO THE FCRA
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to be 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$7600.00} ACCOUNT NAME : COLLECTION ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$570.00} The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX , MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NH XXXX
Complaint sub-issue: Account status

XXXX XXXX # XXXX, STUDENT LOAN, {$85000.00} This account is being reported as 60 days late as of XXXX/XXXX/16. The company sent me a letter stating it was incorrect and should be reported as on time. This item should be reported correctly and updated immediately. The account should have no past due payments reported and be reported as of XXXX/XXXX/16 on time payments. Please correct. This has been reported with each agency. I also have a letter from XXXX stating this fact.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$850.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate.

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney.

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX, XXXX XXXX XXXX. 

I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Complaint sub-issue: Account information incorrect

I have an account that was closed on XX/XX/XXXX approximately to a 0 balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called XXXX XXXX XXXX XXXX XXXX XXXX and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with Equifax time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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
Complaint sub-issue: Account status

XXXX XXXX XXXX took me to court over a debt that was dismissed with prejudice in my favor. The information was sent to the credit bureau and they refuse to remove it from my file as XXXX is still reporting it even though legally I am not obligated to pay the debt.
Complaint sub-issue: Debt was paid

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc.
Complaint sub-issue: Public record information inaccurate

I file a dispute in XXXX XXXX about XXXX Bankruptcies listed on my Equifax credit report. I received my results that they came back as verified. I am trying to figure out, how they were verified when they do not belong to me.
Complaint sub-issue: Deposits and withdrawals

I opened an Access checking account with Citi for use of stipend funds for foster care so that the money would be kept separate from my personal finances, and could be used as needed for the care for my XXXX XXXXXXXX. I opened the account XX/XX/XXXX and funded it with 2 checks from my adoption agency, XXXX XXXX XXXX, using electronic ( mobile ) deposit on XX/XX/XXXX. the checks were accepted and indicated " funds available '' within 3 business days on my Citi app and when calling the automated Citi customer service line. 
I did not access the account for several weeks until last week ( XX/XX/XXXX ) when I needed to use funds for one of my foster daughter 's band booster payments. The account was locked and funds could not be accessed. I contacted Citi XX/XX/XXXX about the issue. I was transferred at least 5 times to various departments, and was finally advised that the funds were pending verification of the checks ( from a month previous ). I asked why I had not been contacted if additional information was needed, but got no answer. I called again the same day for status update, assuming that someone had contacted the issuer of the checks. I was told that I NEEDED TO VERIFY THE CHECKS. I provided all of the information that I had ( several times ) and then explained that I am not a bank -- it is not my responsibility to verify checks. I called the following day ( XX/XX/XXXX ) and spoke to another " security rep '' with Citi who was barely English-fluent and who was incredibly rude and told me that nothing would be resolved unless I verified these checks. There was literally nothing else that I could do to work with Citi to resolve this, and was told that there was nobody else I could talk to. When I expressed extreme frustration, the rep hung up on me and I decided that I needed to explore another avenue to resolve this. 
I contacted the issuer of the checks, XXXX XXXX XXXX XXXX department, who confirmed that the checks cleared and the money debited from their account on XX/XX/XXXX. There is nothing pending verification, and has not been. I suspect that I have been defrauded somewhere in the Citi system, but there doesn't seem any recourse for it. I can provide additional supporting documents ( emails, account information ) as needed.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$76.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX {$530.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 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 SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Attempted to collect wrong amount

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that Jefferson Capitol verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Complaint sub-issue: Information belongs to someone else

I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.