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

Midfirst Bank came to my orientation at XXXX university. They offered a {$100.00} bonus if you open a bank account with them that day. I spoke with them after the presentation and gave the guy my application. He stated he would come back in a few hours to help me make my initial deposit and get me my bank card. The representative never returned and I had to go days later into the bank at XXXX to speak with the manager about why my application was not processed. He apologized several times and said he would make it right. He helped me get my card and stated I would receive more information via email or mail and I never did. I setup direct deposit and waited. They told me I would get the {$100.00} a week after and it never came. The lady on the phone said I would get the bonus, I would just need to wait 4 weeks. I waited and still no bonus. I called today and they are refusing to give me the bonus. I advised the manager when I went in to the office I told them I would NOT open this account if I could no longer get this bonus. He clarified several times he would take care of me and not to worry. 

I called today and spoke with someone at the branch, he said he spoke to the manager and he said he would not honor it. I advised again he promised me when I went into the branch originally I would get the {$100.00} bonus that was advertised at the orientation.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

I signed up for a checking account that had a tiered bonus structure. My plan was to deposit $ XXXX so I could get a {$700.00} bonus. I confirmed with them that I could make XXXX transfers into the account to reach the Citi Priority level since my current bank ( like Citi itself ) limits daily transfers to {$25000.00}. All told, I had {$51000.00} deposited into the Citi Account. I was supposed to get the bonus on XX/XX/XXXX but called on XX/XX/XXXX when it was not deposited in my account. The next day, a {$400.00} bonus was deposited into my account. Today, I learned they set up my account as a Citi account and not a Citi Priority so I was only entitled to a {$400.00} bonus ( for accounts of {$15000.00} to {$49000.00} ). They confirmed I had in over {$50000.00} which makes it THEIR mistake, not mine. They refuse to honor my {$700.00} bonus. This is deceptive business/advertising practices. I am closing my account with the bank. 
I have an email with the offer but no files I can upload to this site.
Complaint sub-issue: Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX provides an option to dispute. 
These options are listed in drop-box format. 
However the options that I chose to use are not being reported fairly by experian. Instead experian chose to state or use terminology as a method of choice " address dispute '' in which is not my choice for dispute, nor is not an option in drop down box. I believe this is fraudulent in its inaccuracy to help the creditor win over in my case.
Complaint sub-issue: Their investigation did not fix an error on your report

There are 2 collections reporting on Equifax with XXXX one in the amount of {$1000.00} the other {$710.00} and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything
Complaint sub-issue: No notice of investigation status/result

Equifax does not identify who does verification and what documentation is used to confirm verification. I have court documents ; what are they using? It appears that are using the word of the company reporting their information. XXXX XXXX is reporting incorrect and outdated information on an account that is no longer associated with them.
Complaint sub-issue: Reporting company used your report improperly

I requested a credit line increase through your online XXXX XXXX XXXX XXXX located at https : //online.citi.com/US/JSO/SSO/CardsSSO.do. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page XXXX ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : Citi Bank Credit Bureau XXXX XXXX I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. Citi Bank followed up stating it was a system error and I should submit the request to remove this credit inquiry from CitiBank Credit Bureau XXXX XXXX department. After XXXX conversations, XXXX faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : citi-response.pdf
Complaint sub-issue: Information belongs to someone else

SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Called after sent written cease of comm

I got into a contract dispute with XXXX XXXX. XXXX broke our contract based on XXXX issues. I rightfully terminated our former agreement for non-performance. Thereafter, XXXX tried to use debt collection agencies to enforce early contract termination fees. Debt is defined as a promise of future payment owed for goods and/or services rendered. 

Early termination fees of a contract agreement rightfully discontinue is a contract dispute not debt for services or goods provided. This is a civil matter not a collection matter. There is no court order. XXXX XXXX is trying to use the debt collection process as a means of extortion rather than hiring an attorney and taking the matter to court which is their legal right and where the issue belongs. I believe they are using this method because they understand they have no legal position. 

Thereafter XXXX XXXX hires a collection agency. The collection agency writes me notice I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. Again, I respond with proof of service and deny any debt. The collection agency quits and XXXX XXXX hires another collection agency. This goes on 6 times. I have attached all correspondence and proof of delivery to each. 

It appears in the middle of this process XXXX XXXX increase the amount owed and changes the account number. Finally XXXX XXXX finds a collection agency that sends no notification " Allied Interstate ''. The agency immediately reports I owe {$410.00} ( and some change ) to XXXX XXXX and gives this information to credit rating XXXX and XXXX. I write a letter to Allied Interstate claiming I was never sent a notification and could they please send me a copy. They do not reply. I write back stating to please send the original notification and I further tell them that I will be requesting XXXX and XXXX the remove this from my record and verify any alleged debt. This would remove any plausible deniability on Allied 's part. Both XXXX and XXXX do so. Thereafter I write to Allied demanding they remove this claim from my credit record telling them, what they have done is illegal ( since no notification was sent and I will report them if they do not ). See all correspondence attached and proof of delivery. 

As of date this issue still remains on my credit record.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Discover calls everyday at least 5-10 calls per day ... sometimes twice per hour. This is harassment at its core. But I have asked them to stop yet they continue so it is now illegal and I am asking for your help to make them stop calling me.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation.

Under Sec. 602 FCRA " I have a right to privacy '' XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Unspecifies Account Name Account # XXXX Unspecifies Account Name Account # XXXX
Complaint sub-issue: Debt was paid

I received a letter onXX/XX/XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. This in the return address window of the letter.
The reference number of XXXX was given for this notification for XXXX XXXX XXXX  ( against my company that Closed on XX/XX/XXXX with no liens or balances owed. ) The letter explains that it was advised to collect {$110.00} within 10 days to avoid cancellation of privileges.
I called, from my cell phone, to ( XXXX ) XXXX on XX/XX/XXXX at around XXXX - spoke with XXXX XXXX , not very clear. She asked for the RE number mentioned above, I complied.
Then XXXX asked for my personal social security number.
I refused to comply for reason 1. ) It was for my company, but she did n't ask for nor care about the Federal Tax Identification number - which seemed to be a red flag, at this point.
She told me that if I would not give her my social security number, not my FTID, then she could not assist me. At this time, I informed her if they believe that they are owed money, they need to send an itemized statement for my review. XXXX said that they can only provide information if I give them the information that they were asking for ( my social security number ).
I terminated the call with XXXX XXXX at ( XXXX ) XXXX.
I immediately contacted my credit card service representative at PNC and I confirmed that my account was closed with no money owed. XXXX XXXX, customer service at PNC sent a letter confirming that my account was closed on XX/XX/XXXX and no further action has been taken by PNC to pursue collections.
I also have documentation from PNC showing that my business banking account was closed on XX/XX/XXXX, and not further action was needed nor money owed.
In addition, on theXX/XX/XXXX banking statement it was documented that my contract with Merchant Services was met on XX/XX/XXXX.
In researching the information from this company, I have found that they misspelled the city and the address that is provided seems uncertain for what they claim to be.
As explained before, if I owe money I should received an explanation of what the charges are for shortly after my contract expired.
Since this communication via telephone, I have received a calls to my previous business line from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX - no message was left. And another call from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX where the same person that I spoke with on XX/XX/XXXX now identifies herself as XXXX XXXX.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, XXXX XXXX XXXX, XXXX has reported incorrect account on my credit report. Accounts was removed but XXXX   and XXXX unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Was not notified of investigation status or results

I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.
Complaint sub-issue: Problem with fees charged

This loan was defaulted do to them not working with me on payments the loan was closed and written off but they still continue to add XXXX dollars every month to the amount even with no open account and a profit and loss write off
Complaint sub-issue: Card was charged for something you did not purchase with the card

My Citi XXXX XXXX  Card statement showed a charge dated XX/XX/05 from XXXX XXXX GA for {$6500.00} which I did not recognize and had not authorized. On XX/XX/XXXX I disputed the charge. Citi immediately closed my card and issued a new one. I was not provided any information about the status of the dispute until I received a letter dated XX/XX/XXXX, stating that the dispute had been closed for insufficient information. They said that they had previously reached out to me for information, which was untrue. I sent them a letter on XX/XX/XXXX asking when my account would be credited, but have not received a reply. The disputed charge is still included in my current statement, plus interest.
Complaint sub-issue: Attempted to collect wrong amount

I had a XXXX dollar limit on this credit card. From Best buy and ity is handled by Citi bank. I make payments on this card and no matter how much I pay they still say I owe over 500 dollars. WEhen I make payments my balance should go down but every time II get a bill it is up over 500.00 dollars again. I live on social secuirity and I can not get my balance down below XXXX. so I need to have their practice investicated.
Complaint sub-issue: Their investigation did not fix an error on your report

Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in jail, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!
Complaint sub-issue: Their investigation did not fix an error on your report

Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in ; they've also never provided written proof of my signature authorizing these inquriries! On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Was not notified of investigation status or results

I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is paid off with XXXX  balance. 
instaloam   was opened frudulent. 
XXXX and XXXX acounts were also fradulent account.
Complaint sub-issue: Attempted to collect wrong amount

I was on a payment plan with TrueAccord. Making monthly payments on time from XX/XX/2020 to XX/XX/2020, My final payment was to be in XX/XX/XXXX. 
On XX/XX/XXXX I received an email stating Please be aware that there was an error in processing payments that resulted in a payment being charged multiple times. they charged me the {$66.00} four times on top of the XXXX owed. 
XX/XX/XXXX they sent an email We had a system glitch that resulted in the payment plan for your XXXX XXXX XXXX account being mistakenly cancelled. Due to the error, you will need to set up a new payment plan for the remainder of your {$210.00} balance. 
By the time I contacted them they had passed the debt onto another collections agency. ( XXXX XXXX XXXX XXXX ) And said there was nothing they could do.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late. 

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

-- This complaint is made by the consumer and NOT by a third party. 
-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER REPORT - ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization XXXX be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. [ 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) - Civil liability for willful noncompliance ] -- letters have been sent certified mail and return receipts have been received by me.

[ 15 U.S. Code 1681c ( a ) ( b ) ( 5 ) - Requirements relating to information contained in consumer reports ] [ 15 U.S. Code 1681s2 - ( a ) ( 1 ) ( A ) ] [ 15 U.S. Code 1681 ( a ) ( 4 ) ] -- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXXXXXX XXXX  XX/XX/XXXX - ( XXXX. XXXX XXXX XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XX/XX/XXXX - ( XXXX. XXXX XXXX XX/XX/XXXX