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

In XX/XX/XXXX, I received an offer via my Citi mobile app to open a new checking account with $ XXXX or more and earn a {$700.00} balance. I opened the account on XX/XX/XXXX with {$100.00}, and funded the additional $ XXXX on XX/XX/XXXX. As per the offer, I had to fund the full $ XXXX within 30 days of opening the account and leave the full $ XXXX in the account for 60 consecutive days, which I have done. On XX/XX/XXXX, after not receiving the bonus, I reached out to Citibank via instant message. I was advised that the 60 days started the first full month after I funded the account and then it took up to 90 days after the full 60 days - another words, it would be a full 150 days to receive the promotional bonus. This is not what their offer said, but I was okay with it. On XXXX XXXX, I reached out again since I did not receive the bonus via instant message. I was advised that indeed I should have received the bonus and that it would be funded within XXXX business days. On XX/XX/XXXX, I followed up again and was advised that it would not be funded for another XXXX business days. I then asked to open an official complaint ( XXXX ), they told me that I would need to call their customer service at XXXX to have receive the bonus. I called several times, the first person asked me to call XXXX XXXX for help, that person told me I had to call the original number again. Finally, after several calls, I spoke with a lady on the evening of XXXX who advised me that my case had been closed. I asked about where by {$700.00} was and she said she did not know. She then said that it was denied. When I asked her why, she could not provide me any reason and had to check with their back-room which would take up to XXXX business days. Today, I logged into my account and it shows on XX/XX/XXXX they posted a response, I click the attachment, that is dated XX/XX/XXXX ( not sure how they can post something before it is written ) that states my account did not qualify. They told me in order to qualify, I had to provide them a physical copy of the promotion disclosure addressed to me and that screen shots, and on-line offers, or blogs would not qualify. I never received a mailer because it was in my " Rewards & Offers '' in my on-line account. When I try to access that link now to see if I can see it, I get an " Error : We are having trouble loading your offers. Please try again later. '' Clearly, this is a scheme to get cash. They make on-line offers and then will not honor them. I do have several screen shots on my phone including a portion of the original offer. I tried to close my account today and they told me they would now charge me to wire my money or they would send a check, but it would take up to 30 days to receive. Clearly, Citi is scamming people to get cash, not honoring their offers and then making it difficult to get your money back. They continue to " buy time '' to keep your money even longer. This is the most unethical thing I have ever encountered with such an organization.
Complaint sub-issue: Other problem getting your report or credit score

ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH XXXX XXXX-XXXX  VIA CREDCO. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX/CREDCO SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.
Complaint sub-issue: Information belongs to someone else

Someone used my identity to apply for credit cards with Citi Bank. I mailed Citi Bank 2 letters asking to remove the unauthorized inquiries, but they refuse to do so.
Complaint sub-issue: Reporting company used your report improperly

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.
Complaint sub-issue: Their investigation did not fix an error on your report

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I used my Citibank credit card on an order I placed on the XXXX website in XX/XX/XXXX. Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I went ahead and canceled the order and deleted the credit card from XXXX 's website the same day so that XXXX would not charge the credit card. 

As a precautionary measure, I locked the Citibank credit card through Citibank 's online banking website as well, because I had heard XXXX engages in deceptive marketing tactics. Citibank processed the unauthorized transaction after I had deleted the card from XXXX 's website. That is an abuse of my credit card.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries that were not authorized by me and that even though I have asked XXXX XXXX XXXX to remove them from my credit report, they have not done so to date 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: Information belongs to someone else

The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) XXXX XXXX # XXXX 2 ) Enhanced Recovery Co # XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, on XX/XX/2018 I purchased an annual movie pass from XXXX XXXX When I purchased the annual movie pass they said the pass would arrive within 2 weeks. Its been 2 months and the pass has never been received. They billed me right away. I have contacted XXXX  3x to get a resolution as to where my pass is. They never responded. I initated a dispute with my credit card company Citicards around early to mid-XXXX. They gave me a conditional credit pending the dispute. About a week later they denied my claim because XXXX provided a rebuttal that the card has a positive AVS-Y result and positive CVV so they denied my claim as it was not considered fraud. Problem is, I never disputed it as fraud. I willingly and knowingly initiated the purchase. The issue is, I can not use the service until I receive the card. Its like buying a pair of shoes online, being charged, and never receiving the shoes in the mail. That's not fraud, that's good not received. Since then, I have contacted Citi via email, written letter and phone calls and have gotten no reoslution as they either ignore me ( email, letter ) or they say its not their department and when they transfer me, I get disconnected. The charge is for {$160.00}. Citi can contact XXXX and see A ) I never received the card in the mail and B ) never used their service. If you XXXX search XXXX XXXX complaints - you'll see numerous upon numerous complaints about this company scamming people. I believe some receive their cards, while others dont which is how this company keeps scamming people. I have also initiated a dispute with XXXX. I uploaded my statement so you can see the charge in question. Any help with this matter would be greatly appreciated. Thank you for your time.
Complaint sub-issue: Old information reappears or never goes away

I was denied a checking account when I recently moved here to Texas because of incorrect information on my XXXX record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more
Complaint sub-issue: Information belongs to someone else

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a Conn 's Appliance account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with XXXX, XXXX XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. Conn 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.
Complaint sub-issue: Information is not mine

Unable to access free annual reports for maybe XXXX consecutive years now. Information used to verify my identity to get the reports states SEVERAL possible accts I have never even thought to open. Loans I have n't applied for! 
Also I lost my ID card Last year and have since been told by a few eyewitnesses that a female I know had been using my identity in the XXXX XXXX area XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX USDOE/XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I requested a refund on XX/XX/29. I havent receive any updates or answers so I called again on XXXX to get any answers and no one could answer me.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out over 30 days ago certified mail, I have not been notified, as a regular human being I feel like these clowns are taking advantage of normal people like myself
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My dispute is with XXXX XXXX. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the bigamy charges. He fraudulantly kept the house

( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges.  According to the magistrate.

I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But XXXX insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. XXXX  lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : XXXX/XXXX  XXXX/XXXX ( XXXX  ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  ( ( XXXXVisa ) XXXX/XXXX  ( XXXX  )
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX AD XXXXXXXX XXXX XXXX XXXX-KS XXXX XXXX  NAME XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : AD XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

First, I'm thankful that you're finally taking the matter of this illegally opened account seriously. 

Second, I am well versed in my rights and know that the course of action you outlined in your response to my last complaint violates my rights ; by now you have received a copy of the FTC ID Theft Affidavit that accompanied a copy of the letter from my wireless carrier. According to the FCRA, once you're received the ID Theft affidavit, you are to stop all collection actions and stop reporting to CRAs until investigations are complete. I also know those investigations are 30 days long, not 90 days. 

Finally, if you do not remove any negative information from CRAs within 10 business days, and if this said investigation takes longer than 30 days, I will file suite on day 31. At which point, every lie you've written on this forum will be shared in open court as evidence of your willful disregard for the truth and laws that govern this environment.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors have reported inaccurate/unverifiable inquires to my report which is incorrect, and I am asking this be deleted immediately.
Complaint sub-issue: Public record information inaccurate

I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, Dept of Treasury, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Complaint sub-issue: Information belongs to someone else

VIOLATIONS OF THE FAIR BILLING ACT FAIR DEBT COLLECTION
Complaint sub-issue: Personal information incorrect

I have several addresses on my credit report that do not belong to me and My credit file has been compromised by either fraud or mistaking ID. My name is XXXX XXXX! Please remove these variations of my name XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The following adresses are not mine please delete these I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX