Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this.
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/XXXX, I applied for the Citi Account Package, which offered a {$400.00} bonus for making a deposit of {$15000.00} within 30 days of account opening and maintaining that amount for 60 consecutive days. 
In XX/XX/XXXX, I faxed documents to Citi for tax and indentification purposes. 
On XX/XX/XXXX, I realized I haven't received anything from them and called customer support. They said that either they didn't send out the card and the PIN number, or it was lost in delivery. They promised me that they would expedite the delivery and this would not affect my promotion. The agent specifically said that I have another 30 days to deposit the {$15000.00}. 
On XX/XX/XXXX, the card arrived. On XX/XX/XXXX, the PIN number arrived. 
After receiving the card and the PIN, I had problems with activating the accounts, because their system restricted me from adding a bank account after having a Citi credit card. And after 3 trials, I had to wait 24 hours before the next activation. 
On XX/XX/XXXX, I went to the branch and talked to a banker, who said there was nothing they could do. 
On XX/XX/XXXX, I finally succeeded and started to schedule ACH transfer from my bank account of another bank. 
On XX/XX/XXXX, {$15000.00} arrived in my Citi account via ACH transaction. 
On XX/XX/XXXX, I made a payment to my Citi credit card, and therefore reducing the amount to below XXXX, which is well past the 60 days restriction. 
On XX/XX/XXXX, I made an inquiry both by online messages and by phone. The agent said that they would conduct a review. I received a letter of confirmation later that day in my Citi online account. 
On XX/XX/XXXX, I received a letter in my Citi online account saying, that " your account does not qualify for this promotion because the required deposit was not made within the stated timeframe. '' On XX/XX/XXXX, I called the Citi customer support again and the agent said there was nothing she could do.
Complaint sub-issue: Reporting company used your report improperly

transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave XXXX written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019.

The 3 companies are : XXXX/XXXX  XXXX, OR XXXX  ( XXXX  ) XXXX-XXXXXX/XX/2019 XXXX  XXXX, FL XXXX  ( XXXX  ) XXXX-XXXX   XX/XX/2019 XXXX  XXXX, TX XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019
Complaint sub-issue: Debt was result of identity theft

The Bureaus, INC is reporting a fraudulent alleged owed debt on all three of my credit reports. I have sent 3 separate debt validation request via certified mail and The Bureaus, INC has failed to successfully validate this fraudulent account. I am not aware of this account and I am not responsible.
Complaint sub-issue: Attempted to collect wrong amount

According to the mortgage statement dated XX/XX/2021, total balance owed was {$98000.00}, minimum payment due date was on XX/XX/2021. 

An amount of {$88000.00} was paid on XX/XX/2021, and another {$7000.00} payment was made on XX/XX/2021. These two payment amounts should reduce the total balance to {$3900.00}. 

However, according to the mortgage statement dated XX/XX/2021 : 1 ) A past due amount has incurred. Payment was made before the due date XXXX XX/XX/2021 ). 
2 ) Only {$82000.00} was applied instead of the {$88000.00} amount that was paid on XX/XX/2021. 
3 ) An excessive interest rate amount has been charged even though the principal balance has been significantly reduced after payment was made on XX/XX/2021. 
4 ) Balance Subject to Interest Rate is {$8700.00}, but the new statement balance indicated on the upper right hand corner of statement is actually {$9500.00}. An excess amount of {$770.00} has incurred.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit report I have noticed a number of inquiries and accounts that has been opened in my name fraudulently. 

Those accounts are XXXX  {$590.00} open on XX/XX/XXXX account number XXXX XXXX  XXXX {$660.00} opened on XX/XX/XXXX account number XXXX XXXX  {$2300.00} opened on XX/XX/XXXX account number XXXX XXXX XXXX {$860.00} opened on XX/XX/XXXX account number XXXX The following inquiries have been opened in my name that were not done by me. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

Docu Prep Xpress reached out to me and stated they were a company who helps with forgiveness. I made approximately 3 months of payments of {$190.00} to come and find out as of today that they dont actually help with student loans. The company explained that I would make payments to them and after a certain amount Paid that they would take care of the whole matter
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account numbers XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Information belongs to someone else

Equifax will not remove 2 collection accounts that do not belong to me. 

XXXX XXXX XXXX XXXX was reported on XX/XX/2021 of {$1900.00}. I contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They said they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX was reported on XX/XX/2021 of {$490.00}. I also contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They also stated they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX stated they would launch an investigation and the general manager XXXX XXXX XXXX XXXX extension XXXX ) told me that this account belonged to someone else and they reported that to equifax but nothing has changed! 

My credit score dropped, if I want to use my credit to purchase anything, my interest rate will increase due to open collection accounts that are not mine and I may even be denied for a loan because of equifaxs negligence.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

I received a Judgment letter for XXXX signed in Arkansas for medical Bill 's I do not owe
Complaint sub-issue: Was not notified of investigation status or results

I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.
Complaint sub-issue: Account information incorrect

XX/XX/2018 checking my credit report I see Equifax Removed XXXX points from my score for opening an account XXXX only XXXX with more changes on my report I feel Equifax is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account
Complaint sub-issue: Can't use card to make purchases

Yesterday evening, XXXX XXXX, 2017, I was in the XXXX XXXX XXXX Store ( # XXXX ) and purchased a XXXX  bundle. 

I had had a XXXX XXXX credit card for years, also through citibank, ( always in good standing ) however earlier this year it had been shut down due to inactivity. To purchase my new camera and take advantage of the 18 months zero interest financing that was being offered, I applied for a new XXXX XXXX  credit card ( through Citibank ) in-store. Before approving me, the sales rep was prompted to call the bank for further information. I spoke with them, verified my social, DOB, address, and cell phone number where they sent me a text with a code that I had to read back to them. Thereafter I was approved for a {$6000.00} credit limit. 

After attempting to use my new XXXX XXXX credit card to make my purchase of {$2100.00}, it was declined. The sales rep was then prompted to call the fraud department. The fraud department with the bank kept me on the phone for well over 30 minutes ( and after the store had already closed ) transferring me from person to person keeping me on hold for extended amounts of time which seemed intentional, hoping I would give up and disconnect, and then finally sent me to a manager. The bank told me they could n't verify my identity because my cell phone number did n't come up in my name when checking public records. Yet, the SAME bank just verified my identity by sending me a text message that I had to read back to them- which was good enough to approve me for a credit card but not make a purchase? How my phone number has anything to do with my new credit card I was approved for I do n't know ; however, checking public records and using the information to determine credit eligibility and verify someone 's identity is against FCRA, the Fair Credit Reporting Act. It is absolutely ridiculous that they 'd approve me for a credit card, however, would not allow me to use it. At the end of it all, I applied for a credit card, which hurts my credit score, for a credit card that I was n't allowed to use and now absolutely refuse to use. 

I worked at XXXX XXXX for over 3 years and have never seen this type of thing happen, not once. I plan to take this as far as I need to get this rectified. 

Thank you for your time.
Complaint sub-issue: Trouble with how payments are handled

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Complaint sub-issue: Information belongs to someone else

I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Didn't receive enough information to verify debt

I have received yet another bill from this company after I have repeatedly asked for a signed contract which has NOT been provided. I received a bill from them on XX/XX/2021 and I sent a validation letter on XX/XX/2021 asking yet again for an actually signed contract. Being that they were not able to provide it this collection must be removed.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

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

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax with regards to the collection account XXXX XXXX XXXX I requested Equifax provide me with the documentation ( Signed XXXX form ) that was sent to them ( Equifax ) in order to verify the accuracy of this medical collection. Equifax responded with a generic letter stating this account was verified as accurate. I advised Equifax that I did NOT sign a XXXX Release Form so I am sure they did not verify this medical collection. Without verifying this collection they are reporting in accurate information. If they believe they did verify this collection as accurate then please send a copy of the signed XXXX release. 
As of today I have not received a copy of the signed XXXX release but Equifax still continues to report this collection on my account.
Complaint sub-issue: Billing dispute for services

I called on XX/XX/2022 the supervisor XXXX stated she could not remove any information from my consumer report without out permission of the lenders I stated that she was in violation of the Fcra 15 usc 1682 ( b ) EQUIFAX didnt not exercise their grave responsibilities with fairness impartiality, and respect for the consumers right to privacy. 
She is also in violation of FCRA, 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( A ). This prohibition is reinforced in subsection ( 1 ) by the prohibition against furnishing inaccurate information after notice of actual inaccuracy from the affected consumer. 
XXXX also stated she knows Im the original creditor but she proceeded to violate my rights this company never had permissible purpose and never was instructed to furnish or create a report I never gave consent for to the reckless and unfairness of my consumer report I am seeking litigation due to the incompetence of this company and withholding my information in which they are not supposed to have They have violated my rights and also my privacy due to the fact that the information is inaccurate pursuant to 15 usc 1681c ( a ) ( 5 ) only criminal convictions of crimes which antedates the report
Complaint sub-issue: Personal information incorrect

I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( 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: 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 XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX XXXX 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: Reporting company used your report improperly

On X/X/2017, I went on www.equifaxsecurity2017.com. I was notified that I may been impacted by the recent hacking incident to Equifax. I am aware that hackers might have my Social Security number, my birth date, my address, and my drivers license numbers.
Complaint sub-issue: Debt was paid

I have received notice that I owe payment for a debt to XXXX from Enhanced Recovery Company , LLC. Upon returning my equipment to the XXXX store in XXXX XXXX XXXX last XXXX, I was assured that my account had been paid in full and I did not own any additional money. I have not had XXXX since that time. 

I have not received any notice from XXXX prior to this statement that I owed anything or that there was a balance due. XXXX no longer has my account on file.
Complaint sub-issue: Confusing or missing disclosures

I recently applied online for a joint Savings account with Vio Bank, a subsidiary of MidFirst Bank, and I received an onscreen message saying that my application could not be completed, and to call them. I contacted them in the hopes that they needed additional information which I could provide, but they instead told me that my application was denied. I asked why it was denied, and they pointedly told me they would not disclose the reasoning, but that I was welcome to apply again. They further indicated that information they received from a reporting service is what their decision is based on. But, they would NOT tell me what information they received and what agency provided said information. Further, they stated that I would not receive any adverse action notice or any clarifying information from them, as I requested. I even spoke with a Bank Manager who adamantly stuck to the same line of explanation. 

I am uncertain as to the seemingly negative information that this bank has about me, and they are not giving me a chance to take steps to fix it, especially since I am unaware of its overall implications. I have successfully opened bank accounts in the past without any problems. I need to be able to know what adverse/negative information they accessed, where it came from, and how I can correct such. Vio Bank is unresponsive to my request for any information pertaining to my application and their subsequent decision to deny the application.
Complaint sub-issue: Account information incorrect

I sent in documentation that items on my credit report were inaccurate. I provided the proof and they were not removed.
Complaint sub-issue: Problem using a debit or ATM card

I sold a couch to XXXX in XXXX for {$350.00}. He told me his company promoted him and he was moving to XXXX. He sent me a a company check ( XXXX XXXX XXXX is the company ) via email for {$1500.00} and asked me to XXXX XXXX {$1100.00} to his movers so they could pick up the couch from me, which I did AFTER the check cleared with my bank, Citibank. A few days later, he sent me a 2nd check for {$1800.00} and asked me to XXXX XXXX {$1700.00} to his movers for additional moving costs, and keep {$75.00} for my inconvenience -- which I did AFTER the check cleared. A few days later, he sent me a third check for {$4500.00} which he claimed was his remaining moving bonus, and asked me to XXXX transfer {$4100.00} to him and keep {$400.00} for all my troubles. I waited for all 3 checks to clear and the funds to be made available in my checking account before making the XXXX transfers, and was assured by my bank ( I called Citibank 3 times ) that the checks were 100 % good to go/spend. A week later, the {$4500.00} was void, followed by the {$1800.00} one. Now, I have lost a total {$7000.00} of my own money via these XXXX transfers and my bank does not claim any responsibility. 
On XX/XX/XXXX, I called Citibank a total of 3 times -- spoke to 2 different customer representatives AND a fraud specialist, and all 3 people assured me that the 3 checks I received were good to go and that they would not bounce at a later date. On XX/XX/XXXX, I physically went into my neighborhood Citibank branch ( XXXX XXXX ), told her the situation, and she assured me that Citibank is good at detecting fraudulent checks in a max time of 5 business days. It had already been 5 days since I deposited my checks, so I was assured that the checks were solid yet again, and she said worst case scenario if the checks do bounce, Citibank would take care of me. On XX/XX/XXXX, the exact scenario that all 4 Citibank reps assured me wouldn't occur happened -- the {$4500.00} was made void, and my account was overdrawn. Days later, the {$1800.00} was void. I filed a dispute with Citibank, which was soon denied because they claimed that I " authorized the XXXX transfers '' -- completely missing the point that the transfer were in fact NOT authorized by me. They refused to investigate the misinformation that was provided to me by Citibank on 4 occasions, and refused to take any action to assist a long-time ( 15 year ) XXXX customer. I even escalated my dispute to Citibank 's " Executive Response '' unit, who also denied my claim on the basis that I am responsible for deposits made to my account. I feel completely robbed, as Citibank will not take any responsibility for misinformed and misleading reps, leading me into a scam in which I've lost more that {$7000.00}. I am seeking any help/reimbursement I can get in this situation.
Complaint sub-issue: Account status incorrect

In 2017 key bank was trying to collect against me on a totaled vehicle. I took them to court and their counter claim ( the outstanding balance ) was dismissed with prejudice by the judge. Key bank instead of removing it from credit as they were supposed to. Key instead moved it to a charge off collections account which shows as derogatory on my credit. On top of 4 years impacting my credit I am now realizing damages while trying to finance a vehicle. Key have been slow to respond and unwilling to correct the issue in any reasonable amount of time.