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

From the Citibank website I initiated a transfer of {$8000.00} from XXXX to Citibank on XX/XX/XXXX. The transaction failed due to an address discrepancy. I have corrected the address with Citibank, and they and XXXX have confirmed the addresses match, but my funds are still frozen in a " pending '' status at Citibank. I have contacted Citibank XXXX times in the past week, and I have been given multiple different stories by various CSRs. 
XX/XX/XXXX ( 1 ) - CSR stated XXXX must cancel the transaction XX/XX/XXXX ( 2 ) - CSR stated funds will be automatically returned on XX/XX/XXXX XXXX ( 1 ) - CSR stated funds can not be returned because they are held by a third party XXXX ( 2 ) - CSR could not assist, but will " raise a complaint '' to a " higher department ''. Refused to connect me to a manager or anyone in the " higher department '' XXXX ( 3 ) - CSR stated funds will be automatically returned on XX/XX/XXXX. CSR could not answer why it was XXXX and funds are still not available. 
XXXX ( 1 ) - CSR disconnected after XXXX minutes due to it was time to clock out XXXX ( 2 ) - CSR transferred me to the Fraud department who stated funds were released XX/XX/XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

From XX/XX/2018 to XX/XX/2018, CitiBank was running the following promotion : 1. Open a Citibank Account Package online at https : //banking.citibank.comXXXX XXXX 2. Deposit {$15000.00} within 30 days of opening the account 3. Maintain {$15000.00} for 60 days in the account 4. Receive {$400.00} within 90 days of meeting all the requirements.

As of today I met all the requirements of the promotion and allotted the 90 days to pass and have not received my {$400.00}. Below is a summary of the actions I took to meet the terms of the promotion : 1. I opened a CitiBank Account package online on XX/XX/2018 at https : //banking.citibank.comXXXX XXXX 2. deposited {$15000.00} on XX/XX/2018 ( within 16 days of opening the account ) 3. maintained the {$15000.00} deposit with Citibank until XX/XX/2018 ( 64 days ) 4. Allowed the 90 days to pass from meeting the terms of the promotion ( XX/XX/2018 ) I contacted Citi on XX/XX/2018 and their representative confirmed I had met the bonus requirements but were not able to tell me why the bonus had not been deposited into my account. I was then informed that they would open an investigation that could take up to 30 days to complete. I informed them that they acknowledged that I met the requirements so there was no reason to wait and to deposit the funds in my account. I gave them until the end of the business day on XX/XX/2018 to provide the {$400.00} or I would file a complaint with the CPFB. 

I elected not to wait for the Bank to complete their investigation as there are several reports on the internet that Citibank uses this tactic to not pay out the bonus. In those cases, only a complaint with the CPFB has resolved the issue in a timely manner.

Below is a link of several other Citibank customers who had to file a complaint with the CPFB to get their bank bonuses : https : XXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-XXXX
Complaint sub-issue: Personal information

report number XXXX Equifax changed my name to a former married name. 

My name is XXXX XXXX XXXX.
Complaint sub-issue: Public record

If you will see in the attached files, Equifax still shows my name - " defendant-XXXX ''. Court has corrected the judgement that reflects my name, XXXX XXXX, due to erroneous legal basis. Judge XXXX XXXX of XXXX XXXX XXXX has ordered my name to be deleted from the judgement. We explained this to Equifax and forwarded the documents to them several times but they have not cleared my name. We had our lawyer contact them to fix this error, until now they have not fixed this error.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish these accounts : 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
Complaint sub-issue: Investigation took more than 30 days

I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XX/XX/2020 I have attached proof so that these payments can be corrected.
Complaint sub-issue: Investigation took more than 30 days

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Account status incorrect

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, JEFFERSON CAPITAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Complaint sub-issue: Reporting company used your report improperly

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX  continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX XXXX XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXXXXXX XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

Submitted a previous complaint to discover. Person working with discover keeps giving me the " run around '' and says he will fix it and says he will call back. Was called last Tuesday XXXX and said he would report back in XXXX days. It is now XX/XX/11 and the charges are still on my card, and I have not been called back.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX  XXXX., XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Complaint sub-issue: Account information incorrect

I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.
Complaint sub-issue: Investigation took more than 30 days

I began aggressively disputing the below accounts in XX/XX/XXXX, I however have been disputing the accounts since XX/XX/XXXX when they first appeared and was reporting positively because they are not my accounts. <P/>1 ) XXXX XXXX XXXX 2 ) XXXX XXXX My initial dispute online was I had no knowledge of the accounts. I had one XXXX account that is closed and positive and no knowledge of XXXX at all. <P/>In response the credit bureaus 1 ) told me the debt was valid, 2 ) reported it as fraud 3 ) there 's another account with similar information as mine and asked me to send in identify evidence which I did. <P/>Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have 2 reports, I then sent TWO letters (XX/XX/XXXX and XX/XX/XXXX ) asking for validation for the debt since they were stating it was a verified not validated debt. <P/>What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath. <P/>Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID. <P/>FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information. <P/>
Inaccurate reporting is occurring because : 1 ). They claimed it is a fraud account but also said they were able to validate it.
2 ) The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Complaint sub-issue: Account status incorrect

PHEAA 's recent explanation to a closed complaint is extremely untruthful. I can show screenshots of the status of the Credit Report to substantiate my claims. PHEAA should be extremely careful when attempting to be overly confident with what it assumes is the truth. Basically, the information that they claim where they found nothing wrong with the Credit Reporting of at least 1 of the loans is without a doubt incredibly inaccurate. 

XXXX  is still investigating this also, which tells me that PHEAA was prematurely assuming it had done nothing wrong without properly investigating. CFPB, PHEAA is basically putting little effort into resolving the complaints that come through to your portal, and this is obviously due to PHEAA deflecting the point of the Credit Report Status of ANY LOAN by trying to point out that none of the other loans were reported past 30 days. PHEAA did not accurately report when the account was past due. Currently the account is NOT PAST DUE, and so it should reflect that on all Credit Reports. The person or persons who wrote that statement is lying about what the Credit Report indicates.
Complaint sub-issue: Was not notified of investigation status or results

there are various inaccuracies on my credit reports that need to be investigated and deleted, see letter of explanation attached
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Problem accessing account

I recently opened an account with Citi Bank. When I opened the account I was never sent the original debit card and account opening paper work. I had to have a replacement card overnight shipped to me. When the card arrived I had to log in online but when I did I had to use a different username then the previous one I had when I opened the account. I created the new username however when I tried to log into the account on my XXXX, the XXXX used my Face ID which was connected to the old password under an old username name. When this happened I called the bank on XX/XX/22 I believe to be the best date and they said that now I had to receive a letter with a reference number and then when I got the reference number I could call give them the number then my account would be unlocked. I was told the letter would take up to 10 business days. After that the letter did not come so I called the bank again on XX/XX/22 and they said all they could do was send another letter through the us post office and so I would just have to wait another 10 business days. It is now coming up on another ten business days and I still have not gotten a letter. On Monday XX/XX/22 when I called the bank and gave them all my identifying information, however when the conversation got to a certain point I was put on hold and then the person just hung up. I then called bank gave all the same identifying information to be told my account is under consideration for closure and the person told me they were hanging up on me. I have had three of my checks from work direct deposit into this account totaling XXXX dollars.
Complaint sub-issue: Investigation took more than 30 days

Misleading False Reporting these accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.THESE ARE THE COLLECTIONS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Cbna/sears XX/XX/20, XXXX XX/XX/20 and XX/XX/20, XXXX XXXX XX/XX/20 allowed fraudent applications to be processed with my information without my permission, I never applied for anything and never authorized these illegal inquiries that landed on my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have paid Ll bean send them the copy from my bank showing the check being paid. Now they want me to research when they have the Original copy of check. This is the second time I have had problems when I make a payment there problem is there vendor XXXX XXXX handles there banking.something is wrong. I paid on line from my bank and never have an issue. But with them always a problem I am definitely closing there charge soon as this is clear up. I only owe XXXX. What a hassel.
Complaint sub-issue: Account information incorrect

I have submitted 3 disputes with Equifax to have XXXX update the credit information on my file. I even provided proof of the account pay-off. Each time Equifax has come back and said that XXXX has verified the account is still open and that I still have an outstanding balance. I don't know what more to do to get the information correctly listed as paid in full on my account.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I went on XXXX XXXX  and noticed my score had gone down, went to check out why and seen something from XXXX XXXX  and enhanced recovery company ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX  nor XXXX XXXX  ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this
Complaint sub-issue: Reporting company used your report improperly

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax ).  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: Investigation took more than 30 days

I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.
Complaint sub-issue: Debt was result of identity theft

THIS WAS A RESULT OF IDENTITY THEFT, THIS ACCOUNT IS NOT MINES.
Complaint sub-issue: Problem getting my free annual report

For the approximately the past six months, I have been unable to obtain my free annual credit report from Equifax. I go through all the prompted steps for receiving the report and authenticating my identity ; however, each time I make the attempt Equifax responds with the following message : " Online Delivery Unavailable. We are unable to deliver your free Equifax Annual Credit Report online. '' From there it provides a way to make the request by mail. In order to request the report by mail, they want me to send them a copy of my social security card or a document containing my social security number, along with my drivers license or another document authenticating my mailing address. 

I have been able to obtain my credit report from both XXXX and XXXX online with no problems, utilizing the same authenticating information. A simple XXXX search has shown that this is a common and repeated problem with Equifax. Unfortunately, there are many negative items showing on my Equifax credit report which I can not effectively clear through the dispute process because they will not provide me a copy of my credit report. Based on a recent pull of my credit by an organization, they identified multiple negative items on Equifax which were not presented on either XXXX or XXXX. This is creating significant hardships and I chose to address the issue with the CFPB due to the large numbers of people online indicating that Equifax is doing the same thing to them.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a completed investigation of a bankruptcy record on my consumer report in which I have asked Equifax to provide me with it's description of investigation in accordance with FCRA 611 ( a ) ( 7 ) .According to the letter received on XX/XX/22 confirmation # XXXX ( See Attached ) Equifax stated that the record was received from " XXXX XXXX ''. As of XX/XX/22, XXXX XXXX has certified that no record of a bankruptcy is present in my consumer file and they have provided me with an 80 page report in which I have reviewed thoroughly along with my attorney. Please see the attached letter ( Case # XXXX ) .Equifax has violated the FCRA law and therefore must remove this record from my consumer report. Equifax has failed to provide proof of the completeness and accuracy of this disputed record and therefore this record must be deleted as required by law.
Complaint sub-issue: Other problem

I called US Bank customer service on XX/XX/19 to report a stolen credit card. 
My name is not the primary on the account, but I am an authorized user, and my name is on the card that was stolen. Apparently they did not disable my card, but they did not tell me that they didn't. I am logged into the account right now, and I can see that a charge went through on XX/XX/19. This is unbelievable. Any person who has a card issued to them who calls to report it stolen should be taken seriously.