Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with balance transfer

On XX/XX/2021 I applied for and was approved for a balance transfer offer through Citicards. I requested to transfer the entire amount of my current XXXX XXXX card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/2021. 

However, I also checked my XXXX XXXX card and noticed that the balance was not paid off. I spoke with XXXX XXXX and was told that they had not yet received the payment from Citi. According to them, the account number that was provided for the XXXX XXXX account was not mine. I do not know how this could be, as I only hold 1 XXXX XXXX credit card. 

I spoke with customer service representatives from Citi multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with Citi on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both XXXX XXXX and my current Citi card ( including the balance transfer fee ) which both hold the same funds from my transfer. 

I would like this issue escalated so that there can be a resolution.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY PROFILE. SOMEOE HAS STOLEN MY INFORMATION AND OPENED SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE.
Complaint sub-issue: Personal information

I left the XXXX, XXXX address in XXXX XXXX and sold the XXXXXXXX address in XXXX XXXX when I exited the XXXX. I do not understand why addresses that are over XXXX years old are still on my Equifax credit report and not my most recent addresses? Please correct to reflect my most recent addresses : XXXX Deer XXXX XXXX, XXXX XXXX, XXXX XXXX - OWN/purchased XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX 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 XXXXXXXX XXXX - XXXX I purchased my second home to escape the noise in apartment living. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX/purchased XXXX I also only own XXXX homes and not the XXXX reported by Equifax. My second mortgage was initiated with XXXX company. XXXX sold my loan to XXXX effective with the XXXX XXXX payment. Please correct the error associated with the number of homes/mortgages that I hold. That error has an impact on my credit standing. Thanks for all that you do. Have a wonderful day.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are numerous inquiries on my file that I do not recognize nor have I applied for credit with those companies. I reached out to the credit reporting company to oy be ignored.
Complaint sub-issue: Problem with fees charged

well its a little over a year ive been having this problem..i make my payments monthly and havent missed any..company says im behind like on 3 payments, interest keeps going higher, have late fees..i always tell them that im making my payments and have prove..they say that i only have paid like XXXX for principal..when i have paid over XXXX already..
Complaint sub-issue: Didn't receive advertised or promotional terms

I have sent the following letter along with the full text of the email offer I received from aa.com to CFPB by USPS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/2022 XXXX Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Dear Sirs : On XX/XX/2022 I received the attached email from XXXX offering me the opportunity to apply for a new XXXX XXXX XXXX with a XXXX miles bonus offer after spending {$3000.00} on the card. Despite the fact that this email included an exclusive invitation number it also included language excluding persons who had received the bonus within the last 48 months. Confused by this contradictory language, prior to applying for the card I called Citi Bank to confirm that the offer was valid with the invitation number despite my having received bonus miles in the last 48 months. I was assured by the Citi Bank agent that any offer with their invitation number was valid. 
After recently complying with the terms of the bonus offer for card number ending in XXXX, I called Citi Bank last week at the number on the back of my card ( XXXX ) and asked for confirmation that I had met the requirements. I was told that there was no bonus offer associated with my card, despite having applied by clicking through the offer email. The offer spending compliance was confirmed. Today I called that number again and spoke to an agent who flat out told me that the 48 month exclusion language takes precedence, despite being previously told that the invitation number takes precedence. I was also told that I would not get the offered XXXX bonus miles. I asked why I was sent the offer if I was not eligible and was told that they CAN NOT TRACK their customers eligibility before sending out offers. 
To fix this failure to comply with their offer as confirmed over the phone with their agent BEFORE APPLYING, I am asking for the XXXX offered miles to be added to my XXXX  account XXXX 
Thank you for your attention to this matter ;
Complaint sub-issue: Debt is not yours

I noticed a decrease in my XXXX credit score on XX/XX/XXXX. It stated that I owed IC Systems {$100.00}. There was very little information about the debt and I was not even aware of owing anyone. I pay my bills on time. I disputed this debt through XXXX and it was removed the next day. Then the same debt popped up on my XXXX XXXX report on XX/XX/XXXX. I filed another dispute but this time the company stated the debt is accurate. I tried to file a dispute on ICSystems website but I need an account number. However, that was never provided because I was never notified directly that the debt even existed. I do not believe it is mine.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Notice of cease and Desist Demands on actions to take
Complaint sub-issue: Sued you without properly notifying you of lawsuit

For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXXXXXX
Complaint sub-issue: Debt was paid

The debt was forgiven by the bank. 

The account in question was a reward checking account at Keybank, XXXX, NY office, with address XXXX XXXX, XXXX, NY XXXX. 

The account had accumulated {$38.00} in " no activity fees ''. My wife and I were not aware of such fees on the account. 

When we found out about them, we made an appointed at the local office. On XXXX/XXXX/2016, my wife and I visited the XXXX Keybank located at XXXX XXXX, XXXX, NY XXXX and meet with XXXX XXXX ( XXXX, XXXXXXXXXXXX ). He converted our rewards checking account into a no hassle checking account. He agreed to remove the account fees, which has already been taken care of and resolved. Our " no hassle account '' is still open and in good standing. 

On XXXX XXXX, 2016, we received a debt collection notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I promptly wrote a letter, within 30 days, notifying XXXX and his office that I disputed the debt in full and that Key Bank had already forgiven it. 

I 've now received a second debt collection notice but from a different agency, on XXXX/XXXX/16. 

XXXX OH XXXX I am sending a debt dispute to this agency as well.
Complaint sub-issue: Old information reappears or never goes away

I was sent a letter from my credit union dated XXXX XX/XX/XXXX notifying me of changes to my credit card account. These revised terms that increase my amounts I pay for when I use this account because of a poor credit report from Equifax. The poor report was based on Serious Delinquency, Too Few Accounts Currently Paid As Agreed, Lack Of Recent Installment Loan Information, Number Of Accounts With Delinquency! 
I have always paid my debts on time, never late. My credit score was XXXX until I signed as a co-loan for my granddaughter for a student loan. This was four years ago. She messed up the very first payment and the Loan Company ( XXXX XXXX ) was so nasty on the phone that I paid off the loan in full ( {$11000.00}. )! I only had her get a loan so she could get a credit rating. The loan was paid off XX/XX/XXXX but continues to show up. 
My last scores were dated late XXXX : XXXX XXXX ; Equifax XXXX ; XXXX  XXXX. My credit union told me when I went to their office that the letter was sent out by mistake and I should have received an amended letter. I went to their office on XXXX XX/XX/XXXX and received a letter dated XXXX XX/XX/XXXX which said nothing about the credit report. I'm XXXX years old with XXXX and XXXX XXXX XXXXXXXX, I shouldn't have to put with this!
Complaint sub-issue: Information belongs to someone else

I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Debt was result of identity theft

THIS ACCOUNT DOESNT BELONG TO ME I DONT RECALL EVER OPENING UP A ACCOUNT WITH THIS COMPANY AT ALL
Complaint sub-issue: Didn't receive enough information to verify debt

To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH 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, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account Numbers # XXXX XXXX # XXXX, Amount : {$6100.00} XXXX, Action : I Filed dispute, & returned their possessions XXXX XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX, Action : I Filed dispute, & returned their possessions XXXXXXXX/Dept of ED # XXXX Amount : {$2000.00} XXXX, Action : I contacted them* XXXX XXXX # XXXX Amount : {$560.00} XXXX, Action : Closed account returned device. 
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: Their investigation did not fix an error on your report

I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX  ACCOUNT : XXXX account is showing XXXX, and 60 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. 

Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 

Sincerely XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Received bad information about my loan

I had XXXX student loans serviced by Citibank. I fell on hard times around XXXX. My situation got better and I was able to pay in full what I believed to be the full amount for the XXXX loans. That was an error by me. Zoom ahead to XX/XX/XXXX and my wife and I are looking to purchase our first house. Our credit score and down payments are in order. To my dismay XXXX loans are still showing a balance. I take responsibility for not realizing these were not included in the full amount that I paid in XX/XX/XXXX. However, when I tried to pay the remaining two loans I have been told that I can not pay on these because they have been charged off and that Citi is no longer collecting on them. Months later I get a XXXX in the mail regarding a cancelation of debt regarding these accounts. This seems accurate since the loans were charged off. However, now I am still being charged interest and the account is showing that these accounts are in collections and payments are now overdue. I call to fix this issue but am told that there is nothing that they can do as the loan has been charged off and they ca n't collect on it anymore. This does n't make sense because they are reporting that I am over due on my payments and it is open and in collection. I 'm simply trying to get this taken care of one way or the other in order for me and my family to purchase a house. I 'm not looking for any handouts but simply looking for accurate information and customer service agents who can provide accurate information or who are able to get me to people who have that information. This has been very frustrating in many different levels. I just do n't know what to do. Please help if you can. Thank you for your time.
Complaint sub-issue: Information belongs to someone else

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, my rights has violated. 
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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX
Complaint sub-issue: Public record information inaccurate

I filed for chapter XXXX bankruptcy at the United States District Court of Minnesota Bankruptcy Court. The following accounts listed on my XXXX  and Equifax credit report was completely discharged under chapter XXXX bankruptcy : XXXX XXXX XXXX, XXXX. {$14000.00}, XXXX XXXX XXXX, XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX, {$500.00}, XXXX XXXX XXXX/XXXX XXXX XXXX, {$1800.00} and XXXX XXXX XXXX XXXX XXXX, {$5000.00}. I no longer owe the debt because the debt was completely discharged under Chapter XXXX Bankruptcy rules in the United States District Court of Minnesota Bankruptcy Court.