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

CITI bank advised that open an eligible Checking Account and earn a cash bonus of {$200.00}, {$500.00}, {$1000.00}, {$1500.00} or {$2000.00} when you complete required activities. 
1 Simply deposit qualifying funds within 30 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus.

2 Only New-to-Citibank checking customers can take advantage of this offer.

Here was my timeline : 1 on XX/XX/XXXX, I opened the on line account since there was no local branch in Kentucky. I did not get any response from CITI bank within next one week. 
2 On XX/XX/XXXX, I got an email from CITI that " Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the New to Citi Checking Cash Bonus Offer. We hope youre enjoying your new Citi checking account. '' 3 On XX/XX/XXXX, CITI told me that the on line checking account was ready ; 4 On XX/XX/XXXX, I verified the account ; 5 XX/XX/XXXX ( Friday, I began to transfer the {$25000.00} into citi account because of the day transfer limitation and took 5 days into CITI banks ; I deposited three time within next three days ; 6 On XX/XX/XXXX, the total {$75000.00} into CITI banks. 
7 XX/XX/XXXX, I found I did not get the cash bonus {$1000.00}. I called the CITI banks and they gave me a reference No and let me call back 5 days later. 
8 On XX/XX/XXXX, I called back again. They agreed that I was qualified for the cash bonus and gave me another reference No. They told me that they would give me an answer on XX/XX/XXXX. 
9 On XX/XX/XXXX, I called the bank and they agreed that I was qualified for the cash bonus and asked me to mail all the evidence to CUstom service center. I mailed. 
10 On XX/XX/2023, the bank told me that I was not qualified for the cash bonus because I did not fund the money within 30 days. They only briefly checked my bank account for the first month. They emphasized that my account was opened on XX/XX/XXXX. However, they did not acknowledge that my on line checking account was ready on XX/XX/XXXX. 
10 On XX/XX/2023, I called the bank, the supervisor asked me to call back on XX/XX/XXXX so that they would investigate it and gave me another reference No, XXXX XX/XX/XXXX, I contacted the CITI bank again but no result
Complaint sub-issue: Debt is not mine

A year ago I started getting phone calls at home for someone not living at my home. I told the first caller there was no one with that name at my home. The calls continued, but I never answered and turned off my answering machine. On XXXX XXXX XXXX, I received mail for the unknown person, which was a collection notice from ERC, a collection agent for creditor XXXX XXXX XXXX XXXX. My city does not have XXXX as a provider for any utilities. I logged a complaint with the XXXX, since the local police could not assist as identity theft had not occurred. I have been receiving aggressive phone calls from several different callers as the debt may be going from one collection agency to another. On or about the week of XXXX XXXX XXXX a second letter addressed to the same unknown person was sent to my home address and I returned the mail to the sender unopened.
Complaint sub-issue: Was not notified of investigation status or results

I am making a final goodwill attempt to have you clear up this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of XXXXsc1681, for not properly verified the accuracy of any of the provided accounts I have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, I can pursue litigation to enforce my rights under the FCRA.. I demand my right to be acknowledged to these company immediately. Sincerely XXXX XXXX 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX, 2. XXXX XXXX XXXXXXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I reported identity theft due to a collection on my reports previously and it was removed from XXXX  and Equifax, XXXX  refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several unauthorized credit inquiries from XXXX XXXX from the following dates :XX/XX/2017 XX/XX/2017, XX/XX/2017 and XX/XX/2017. I did not authorize inquiries on any of those dates.
Complaint sub-issue: Information belongs to someone else

Hello. My social security number is XXXX. Up until XXXX of 2019 my credit score was XXXX. I always pay my bills on time. And pay more than the usual amount needed monthly. I has a XXXX procedure done XX/XX/XXXX and used my XXXX XXXX credit card so that i could get the XXXX airline miles with my procedure as it was XXXX. The next month I received numerous emails telling me my score plumetted to XXXX!!! I called the XXXX XXXX  Company who said its a large purchase and they thought it could be fraud as I dont make large purchases like that. They said not to worry if i pay my bill on time, within 2 months it will bounce back to nearly 800 where it was prior to that day I used it. Its been 7 months, Im being denied a mortgage, Ive applied to 3 Lenders. All 3 consider the score and deny me.I have many credit cards with high available credit lines, that are unused and this unfair act is stopping me from buying the home I want as Im viewed with a low low score. Please, please help me.
Complaint sub-issue: Fraudulent loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX USA Re : AUTO LOAN Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 

2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection. 

3. A statement admitting whether you are the holder in due course or whether you are a servicer. 

Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default. 

Thanks. 
XXXX XXXX Without Prejudice - [ ]
Complaint sub-issue: Reporting company used your report improperly

Equifax used my report improperly and leaked my personal information to the public. Due to their incompetence, I will forever have to worry about my credit being used maliciously and without my permission. 

This is extra stress and suffering that 143 million Americans did not need.
Complaint sub-issue: Didn't receive notice of right to dispute

I have disputed the debt with the collection agency. The only result I get back is that it is accurate. I do not receive an explanation of debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

Equifax is reporting over XXXX closed and paid accounts as open will keeps my fico score from increasing from in reaching its full capacity and score for financial stability. The accounts are continuously being reported as derogatory. The creditors have stated that the closed paid accounts are authorized to be deleted. The practice of reselling and reporting my closed and paid accounts must be stopped. This practice hinders me from getting a positive credit score and as a woman XXXX XXXXXXXX these practice do not help me get future credit and gives a creditor a negative outlook for any credit that I may apply for in the future.
Complaint sub-issue: Add-on products and services

Home Depot and Citi Retail fraudulently enrolled me in their Balance Protector Program without my knowledge or consent. My husband  and I are both retired and have been for the last 10+ years. However, Citi Retail ( who manages the Home Depot credit card ) claims that we signed up for the program in XX/XX/XXXX. This would not have made sense for us since the Program 's purpose is to guard against loss of income ( which does not apply to retirees ). We have no recollection of this nor did we ever agree to or sign any paperwork to consent to being enrolled in the Program. 

We discovered these Balance Protector Program fees ( averaging $ XXXX $ XXXXmonth ) in XX/XX/XXXX and called Citi Retail to cancel the program and request a refund of the program fees paid. Unbeknownst to us, we have paid a total of {$410.00} in program fees to date. We have contacted Citi Retail and the Balance Protector Program repeatedly to request a refund/credit for these fees ( calls made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and yet no refund has been granted and we continue to get the misdirected to other divisions or 3rd parties. Please help us resolve this dispute and get these program fees credited to our card.
Complaint sub-issue: Debt is not yours

Debt in litigation. Debt belongs to ex wife.
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They still have not corrected the mistake.
Complaint sub-issue: Debt is not yours

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$880.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX I attempted to transfer money into my XXXX XXXX from my credit karma account. The request was declined. I called and was advised my account was frozen. They have been unable to tell me why. The account has XXXX that was credited to my business due to COVID closures. They have yet gotten back to me and I need to access my funds to continue my business.
Complaint sub-issue: Account status incorrect

Equifax, XXXX, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4XXXX XXXX service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
XXXX. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate Ledger XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to XXXX and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the XXXX peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XX/XX/2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay
Complaint sub-issue: Personal information incorrect

Equifax continues to violate my consumer rights. I have a right to complete and accurate information in my file. Equifax is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.
Complaint sub-issue: Trouble with how payments are being handled

Because of a system glitch, my student loan provider executed an unauthorized payment against my student loan a whole week prior to my scheduled auto payment. As a result, my bank account was overdrawn and I incurred fees. I tried to get compensated for the fees and the servicer is requesting documents like bank statements showing the problem which are documents that can only be prepared on a monthly basis. I already sent a screenshot showing the payment made to them and corresponding charge. Because the snip can not include my name or bank information they are refusing to issue any kind of payment to make up for these fees incurred.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX was submitted because the US department of education thinks they are above the law. In the state of california the consumer finance bureau is being sued for refusing to step in and help consumers for just this reason. I have very clearly documented them changing my credit score by updating information willy nilly however they see fit by over a hundred points on FOUR SEPARATE occasions. 

I would ask the consumer finance bureau due it's job or respond to the lawsuit they face refusing to do the right thing and help consumers who are facing loans that should be downright illegal. 

Eg. death being the only way to get out of paying them even if it's proven that the amount owed each month on the loans is greater than a consumer can even possibly consider paying while maintaining a normal lifestyle. 

This same issue is plaguing the country with Parent Plus student loans. 

DO YOUR JOB.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Complaint sub-issue: Attempted to collect wrong amount

Im Being charged an interest rate when that was not a part of the original contract.i only owe XXXX not XXXX something.
Complaint sub-issue: Debt was paid

I have been disputing an account with AFNI who bought an old ( and paid ) debt from almost XXXX years ago. Not only is it on my credit report when it should not be, but they are also RE-AGING the debt to show a date from 2016, and responding to my dispute requests with lies to keep it on my report. I have not been able to get any information from AFNI on what date they show as first delinquency, but I have not used the phone service of the original creditor in nearly XXXX years and therefore the SoL is definitely passed regardless. I have submitted multiple dispute requests to XXXX   and each time they close out the dispute by saying the account meets FCRA requirements. It does NOT! And re-aging collection accounts is ILLEGAL.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I pulled my consumer report and noticed that I.C SYSTEM, INC is furnishing negative information to the consumer reporting agencies. I am aware that as a consumer I have the RIGHT for my information to not be displayed. I also did not give permission for I.C SYSTEM INC to furnish any information on my reports. Also the timing of these payments reported are inaccurate and should not be displayed as past due or in collections. This is a direct violation under 15. U. S. Code 1666b. Please be advised that my consumer should be equitable to me at all times. I would like for I. C. SYSTEM, INC to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was parked on my consumer report.
Complaint sub-issue: Can't use card to make purchases

This has been going on for over 6 months, I attempt to use the card and they will not allow me to use it on the most recent purchases made XX/XX/2021 Total {$860.00} and XX/XX/2021 Total {$120.00}. The second order # XXXX, they cancelled 2 days after I made the order. This lack of access to my account of has caused me to lose out on {$50.00} in Macy 's as well as my Platinum status with the card which is also a loss of benefits. A representative placed a hold on my account without notification and restricted my account use and I have lost access to {$2500.00} in my available credit. When questioned, they refuse to tell me who placed the hold and when. They have cancelled over 7 orders in the last year totally {$1500.00}. Additionally, they have requested I give them the password to my account to representatives in the XXXX ( which is not advised as a XXXX XXXX XXXX XXXX ). They apologize but will not restore my Platinum status or give me the {$50.00} in funds to shop with that I lost on.
Complaint sub-issue: Their investigation did not fix an error on your report

as I have previously notified equifax, that i am a victim of identity theft, there are things showing on my credit report that should not be there
Complaint sub-issue: Reporting company used your report improperly

I have made disputes to XXXX  to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see  this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher.  Sadly, they responded to XXXX by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted Equifax more than 5 times to fix a problem with my Credit Report. The Credit Report are showing information for another person. There are combined information on the credit report such as the other 's person mortgage information, credit card information and personal information. Equifax told me to submit my personal documents to get it fixed and after almost a month, the problem hasn't been fixed.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Complaint sub-issue: Other problem

Mother has not even been buried in the ground for 60 days as date of death was XX/XX/18. Creditor already attempted to place with strong arming collection agency of XXXX XXXX XXXX  to try to settle the balance. For the record, no known executor exists, no known liquid assets exist, I am the daughter, I am not responsible for paying the balance of my deceased mother.