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

On XX/XX/XXXX I opened a US Bank Easy Checking account using the promo code XXXX. 
The terms of the offer stated that I must complete recurring direct deposits of two or more that total {$5000.00} or more to earn {$400.00} bonus, and be enrolled in U.S. Bank online banking or the U.S. Bank mobile app within 60 days of account opening. 

I fulfilled these conditions on XX/XX/XXXX, with 2 direct deposits of {$2000.00} each from employer on XXXX and XX/XX/19. 

Per the terms and conditions, the bonus should have been deposited into my new checking account within 60 days of direct deposit verification, and verification of enrollment in e-statements. I fulfilled these conditions, but have not received the {$400.00} bonus.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/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 Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name XXXX DEPTEDXXXX  Account # : XXXX
Complaint sub-issue: Debt was paid

I paid a debt in full in XXXX/XXXX/XXXX to XXXX. I debt that I had to pay because I lost my home and where I was moving did not over XXXX service. XXXX although I had proof would not allow me out of the business contract I had. I paid the debt through a company called XXXX XXXX XXXX All payments were made payable to XXXX and sent to XXXX XXXX XXXX XXXX I have email letter from XXXX that states paid in full XXXX/XXXX/XXXX. 

Now a collection agency IC System is trying to collect XXXX from me, which was part of the balance I had already paid back in XXXX on the same account. I filed a complaint with the BBB and called XXXX. IC System is refusing to remove the debt from my credit report stating the have the right to do so because they have validity of the debt. They refuse to speak to me when I called them because I reported them to the BBB. The reason I went to the BBB is because they never sent me validity of the debt until I made the request through the BBB. I thought it was a scam because I had paid the bill in full XXXX/XXXX/XXXX. When I called XXXX they no longer have a ledger of payments made and want me to fill out a complaint form. XXXX ca n't even tell me if they turned my information over to IC System. They stated they deal with several companies. 

In the meantime I have to deal with information on my credit report. Why when this bill was from XXXX, paid in XXXX as agreed can a collection agency come up with something like this? I use checks to make payments and sometimes money orders. I will have to now try and locate both from years ago. I would have to pay for XXXX to XX/XX/XXXXstatements in order to do this and feel I should not have to do so when I have confirmation from the XXXX XXXX that I was paid in full. I have 26 communications over the 7 months of me paying XXXX payable again to XXXX. I am unable to reach the XXXX XXXX listed below and get no answer. 

Please Help!! 

IC System XXXX. XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX DE. XXXX XXXX XXXX XXXX XXXX Fax XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I had a credit account with XXXX. I live in the XXXX, TX area and was flooded out by Hurricane XXXX in XX/XX/XXXX. I lost everything. I received an email from XXXX saying they are here to help. So, I called them and explained the situation and that I would not be able to make a payment for a while. They said that was fine. I specifically asked them if there would be any late fees or would I be reported to the credit bureaus as late. They said no. I check my credit report and they are reporting me as two months late. I do n't wish to do business with a company like this so I closed my account and will pay the balance, but I want the late report taken off my credit report. I have paid my bill on time ever since I opened this account.
Complaint sub-issue: Account information incorrect

Hello, XXXX XXXX reported to XXXX, XXXX, and Equifax that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX   falsely reported late payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a loan modification in 2015 which was completed and my payments are now up to date and current, however they are being reported as 120/180 days late by Equifax which is incorrect. I have been 30 day late but not 120 or 180 days late since my modification of my mortgage. This information makes my mortgage history look worse than it actually is and when I tried to correct by sending my bank statements and cancelled checks it still was not updated to reflect correctly.
Complaint sub-issue: Can't use card to make purchases

i was told citi bank that they froze my card b/c the credit bureaus too them too btw XXXX limit just paid XXXX to sears my balance is XXXX XXXX
Complaint sub-issue: Transaction was not authorized

On dates listed below XXXX, XXXX and XX/XX/XXXX I disputed charges on my bank account. The amounts were {$110.00}, {$250.00}, {$390.00}, XXXX, and {$32.00}. My bank denied all of my disputes stating they were valid which is a lie. I paid these consumers with other means so its like the consumer has my money twice. I dont have the documentation due to my Mother has XXXX and Im traveling back and forth to help her and so Im basically living out of a suitcase. I explained this over and over to my branch, and over the phone numerous times. I check my account and on XX/XX/XXXX I notice Im in the negative for the following amounts of provisional credit being reversed {$27.00}, XXXX, {$70.00}, {$150.00}, {$220.00}, {$300.00}, and {$450.00}. I get no notice in the mail of why these credits were reversed! Then I received letters in the mail stating that on XX/XX/XXXX my bank was going to reverse the provisional credits they gave me due to my claim being denied. But no explanation of the denial and also I kept getting miscommunication that the fraud department never received my disputes from the branch. Those amounts are as followed ; {$120.00}, {$60.00}, {$200.00}, {$55.00}, {$110.00}, and {$83.00}. This has caused my account to go severely in the negative. I deposited between the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX over {$900.00} back into my account to try to get the account back in the positive. This whole ordeal has caused me mental and emotional distress. And I believe that Im entitled to receiving back at least my {$900.00} that I deposited to try to put the account back in the positive. Pnc Bank has been the worst and the most unprofessional bank I have ever dealt with.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/21 to XXXX, XXXX, and LexisNexis to remove erroneous accounts and bankruptcies that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, XXXX, and LexisNexis are XXXX to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX
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 XXXX  Account Number : XXXX This is not mine. 

3. 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: Debt is not yours

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices.
Complaint sub-issue: Account status incorrect

Account thats open i do not owe. Its with XXXX for {$380.00} date is XX/XX/15 of said bill.
Complaint sub-issue: Information belongs to someone else

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$3200.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax plenty of times and tried disputing thru the company no help at all!!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have sent dispute letters to XXXX XXXXXXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXXXXXX XXXX is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the XXXX XXXX for XXXX. If the data is unknown, this is not XXXX XXXX ACCURATE! That is a violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXXXXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, XXXX XXXXXXXX must comply to any provisions to make my credit report compliant.
Complaint sub-issue: Information belongs to someone else

late not true : FCRA violations send proof of it or remove it : XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$420000.00} Payment Info Status Account renewed or refinanced Status date XX/XX/XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$16000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX, XXXX  XXXX XXXX  Account number XXXX, XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX, has violated my rights XXXX 

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: Public record

I am having an issue with challenging incorrect information on my credit reports. There is Public Record Information tat is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law so as my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Complaint sub-issue: Transaction was not authorized

There are multiple charges in the thousands that were taken from my account but not me and theyve denied the claim. 

XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$140.00}
Complaint sub-issue: Not given enough info to verify debt

My credit report shows a debt payable to CELCO for {$140.00}. I have contacted this company and they can not tell me to whom this amount is owed. It is impacting my credit score. 

What can I do?
Complaint sub-issue: Didn't receive enough information to verify debt

I took out a payday loan in 2018 that was not paid back entirely. I made payments on the debt but lost my job and unable to finish at that time. I had used a payment arrangement previously to pay back a loan when it became difficult. I was advised I could only do this once in a 12 month period so I would not be able to do it again when I lost my job a few months after that arrangement. The debt was sent to a collection agency. I did receive several voicemails about the debt but was never sent any written correspondence, nor do I answer unknown numbers. The agency was never identified in the voicemails and I do not call back companies that do not identify themselves as I get a ton of " robo-calls ''. The calls eventually stopped. 
Today I received a phone call from a " local '' number and answered as I am in the middle of a job hunt. I didn't want to miss a potential employer calling. The representative stated her name and asked " so I know who I am talking to, can you verify the last 4 of your social? '' I had to ask for her to identify the company which was D2 Management. I have never heard of this company. She did state that she was calling for XXXX XXXX XXXX and then stated the disclosure to this is an attempt to collect a debt, for collection agencies. She advised what the amount was, which was {$500.00}. During the conversation, I stated I had never received any correspondence that they were attempting to collect on this debt and that I have no idea who this company is. She said I could look the company up on the XXXX  site. I advised I was currently unemployed and could only make a small monthly payment of $ XXXX. The representative ( XXXX ) advised that the payment would have to be " approved '' since the debt is over 12 months old and would have to be an auto payment by credit or debit card. I declined this and advised once I received a letter in the mail verifying the debt and payment arrangement, I would send in payments by money order if required but I do not do automatic payments. XXXX told me that if I was worried about having my information that I could get a prepaid debit card but that mailed in payments could not be accepted. I asked again to have a letter sent in the mail verifying the information and again ( several times ) advised I was not going to set up an automatic payment but I would mail in payments. She told me at that point that " we are not going to send at letter since you won't set up an arrangement at this time. I am trying to help you but we have to have this arrangement set up, the debit or credit card on file before we send a letter. '' I informed her that the company is required to send a written notice of the debt and with the refusal not to do so, the conversation is over. ''
Complaint sub-issue: Transaction was not authorized

On XX/XX/2023 I notified Citibank that an EFT from XXXX XXXXXXXX that was not authorized was being taken from my account. Citibank promised me provisional credit while they investigate the matter further with XXXX. I have yet to get the credit and so I have asked Citibank to put a hold on my account and I transferred my funds to another account to protect them since Citibank will not. I have been a member of Citibank for over 20 years and I do not understand why I am having issues like this. I am hoping that this issue gets cleared up sooner than later and once done I need a new account number to stop this from happening again in the future.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX CT XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1962 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} DEPTEDXXXX  XX/XX/2022 {$4000.00} DEPTEDXXXX  XX/XX/2022 {$3200.00} DEPTEDXXXX  XX/XX/2022 {$6400.00} XXXX XXXX  XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}
Complaint sub-issue: Information belongs to someone else

I've contacted XXXX about fraud. XXXX XXXX XXXX  / XXXX XXXX XXXX added a XXXX  XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

Equifax stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.
Complaint sub-issue: Personal information incorrect

I received my credit report from Equifax and found that n my personal Information there is an inaccuracies with my last name and address. My last name was spelt wrongly as XXXX XXXX instead it should be XXXX XXXX is the correct spellings. it need to be updated or removed. And also I never had a post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX should be removed from my credit report as soon as possible.
Complaint sub-issue: Problem with customer service

My Home depot store credit card issued by Citibank , N.A . had it's credit limit decreased which caused my credit score to drop. I was not contacted in anyway that this took place by Citibank. I was alerted by the credit reporting agency that my score had dropped due to the credit limit decrease. I contacted Citibank and was informed that they decreased my limit due to no purchase activity. I informed them that I was not made aware of the limit decrease by them and asked that the limit be reinstated. Citibank customer service stated that they have to pull a hard report in order to put the limit back to where it was. I declined the increase as it would damage my good credit and that it would drop my credit score even more. I was advised that they should have notified my that they were going to lower my limit. I then spoke with an account supervisor and was told that my account would not have the credit limit decreased again as to avoid damage to my credit report. Approx 2 months later I was alerted by the credit report agency that my score dropped again due the same issue as before with Citibank. On XX/XX/19 I spoke with an account supervisor and explained what happened again and a review of the notes from prior incident confirmed the issue. I again was told that they can run a hard inquiry to reinstate my original limit. I then requested to speak with their supervisor and was told that they do not give out that information. I again requested a contact for their supervisor and was denied the request and was hung up on. I was professional and respectful at all times during both phone conversations. These negative actions by Citibank have caused damage to my credit report. I was advised after the first credit decrease that it would no happen again and was assured that my account and limit would stay as agreed. I was told that I should buy something for a dollar at home depot to keep my account in current standing as to avoid the limit decreases. Is was given a team ID of XXXX as reference for further communication with Citibank per account manager XXXX.