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

I applied for and opened a TIAA Bank checking account on XX/XX/XXXX. I applied under a {$250.00} promotional bonus offer, which required qualifying direct deposits of at least {$1000.00} within 90 days of account opening. I successfully fulfilled this requirement by having an employer payroll direct deposit of {$1000.00} posted on XXXX. 
The promotional offer terms stated that the {$250.00} bonus amount would be deposited into the checking account within 120 days of account opening date. The 120 days date for my account would have been XX/XX/XXXX. This date has now past and no bonus has been credited to my account. 
I sent TIAA a secure message on XX/XX/XXXX within my online banking account inquiring about the status of my promotional amount being credited. TIAA bank took 4 days to respond to my message, only to inform me that I am not eligible for this promotion. I find TIAA Banks response to be unacceptable and deceiving as a customer because I applied for this promotion from a public offer landing page and successfully signed up and completed all stated requirements. Only after I followed up via secure message to inquire on the status of my promotional being credited to me, was I then told that I am not actually eligible for this promotion, which makes no sense. It is ridiculous to me that the bank can only tell me this after I followed up, when it was previously communicated by approving my account and allowing me to apply for a checking account from a {$250.00} promotional page that all signs pointed to the fact that I am indeed a properly eligible and qualified customer for this promotion. 
With consideration to the information provided above, I respectfully request that TIAA Bank rightfully issue the {$250.00} promotional amount to my checking account as part of the offer I signed up with and successfully fulfilled the requirements for.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Debt is not yours

OnXX/XX/2013, this debt for {$68.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you  have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

All 3 credit bureau specially XXXX told me that they don't do the investigation. They just call the creditor/ Furnisher that's how they determine if the account is accurate.They refuse to send me a letter on how they did the investigation. Even though I saw multiples errors on my credit reports i send them a certifiedletters of a copy of my credit report on specific errors. The credit bureau did not send me a notification letter of the investigation. I send on it XX/XX/2022 to all credit bureau. But the outcome is factual. How can it be even though there was multiple errors. They refuse to delete the errors and refuse to send me a copy of the process. Also was not following the FAIR CREDIT REPORTING ACT. I called multiple times to get a letter of the process on how the investigation was handle. But they said they don't send letters out.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 hard inquiries were made without my authorization by CREDCO, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We submitted a complaint to XXXX XXXX XXXX credit card fraud unit with  respect to a fraudulent repair of a refrigerator. XXXX XXXX XXXX delayed their communications and responses to us sufficiently that they closed the case abruptly without acknowledging our legitimate attempts to provide the information they were seeking on a timely basis. The delays were solely due to XXXX 's very slow processing times and very slow communications. 

By closing this case without processing our information, they have failed to protect us from a fraudulent merchant. 

We are now being held responsible for the charges levied including interest and late fees even though XXXX failed to timely process our claim information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under age. IK open end consumer credit plan as late for an purpose. 
Additionally, my XXXX  XXXX is still on my report and is discharged - it shouldnt be on my report any longer.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. 

I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights numerous of times. I demand the accounts listed below be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Fees charged for closing account

I contacted support to close my checking/savings account ( early XX/XX/XXXX ) and was told it will closed/no further action was needed. The same day I transfer my remaining funds out of the account into a new account at a different bank. 

Several months later ( XX/XX/XXXX ) I receive a letter saying I owe a balance of {$76.00} and I contact support to be informed that it was due to being charged a monthly service fee the month following when I thought/was told the account was closed ( the {$0.00} balance was less than the amount required to avoid fees ), and additionally there were 2 months of overdraft fees charged. 

When explaining the circumstances to customer support they refuse to waive the amount they say I owe, and the letter I received states this amount may be referred to collections and reported to consumer reporting agencies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction Please remove these accounts 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 XXXXXXXX  XXXX In accordance with the Fair Credit reporting Act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy These addresses do not belong on my credit report Please delete all inaccurate personal information XXXX XXXX XXXX Former XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Also Known As XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Information belongs to someone else

I have noticed in the past that there were ( 2 ) small student loans ( dated Open :  XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.
Complaint sub-issue: Non-sufficient funds and associated fees

I went to TCF get an account for my son. I am his rep payee, I informed them that I was his rep payee. They opened a joint account, that was not a rep payee account. Prior to even opening the the account they said we could dept a check however we would not be be able to take any funds out for 7 to 10 business days, how ever thus would not have worked dir us sye to the fact we needed money right away, we opened an account they failed to call me I owed money from an account back in 2003. They ended up taking my sons XXXX check, i tried taking to them and they pretty much said to bad. My son is a vulnerable adult. This is bit ok for them to do this.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The account placed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, and 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In the beginning ofXX/XX/XXXX I Purchased a cell phone from XXXX by buyer name XXXX XXXX I took over a week for me to get this item yes actually we sell the item out. And it took me over a month to try to get it activated and it was not possible, I went to XXXX store several times and called customer service several times as well as the manufacture of the phone which is algae. The manufacture told me it wasnt possible to activate the phone because it was an event in this cut from this country. I contacted XXXX but it was past the 30 days so they couldnt do anything so I called XXXX  for a refund the seller was giving him and me a hard time as two he wouldnt respond to me and stop replying back to XXXX. Before he stop replying to XXXX he told them to us that he wants the phone back and then I will get my refund I told him if he pays the shipping which he did not want to do. From then XXXX  told me to call Discover card which is my card that I paid the transaction. On XX/XX/XXXX a dispute was made and they refunded me the money back temporarily then In XX/XX/XXXXthey told me that they didnt get the item I had to send the item out when XXXX had told me I could keep it prior to that. So from there I had to go to the post office in XX/XX/XXXX so I cant send the item out answers and I also sent out proof with pictures with a picture of the package in the postal package and also the receipt of postal with the tracking number. In XX/XX/XXXX or XX/XX/XXXX I received a notification that the amount owed to me was reversed When I had already uploaded all documentation. They reopened the dispute reimbursed me the credit again and then now today on XX/XX/XXXX I received an email saying that the dispute was closed for the second or third time and that the seller is saying that theyre still saying that they did not get the item when I uploaded proof that I sent out the item to the post office and I also sent out the post office receipt with the trackingNow discovered never informed me that I needed to go to the post office to pick up a form stating that this item was delivered all of these months later they telling me this now. When all of this started I told him in the beginning that the seller would do this I told him that the seller would try to keep my money and also keep the item which is the cell phone and hes getting away with it this is an OK hes not going to keep my money in Discover is not doing anything further
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX is illegally reporting a more recent status date of XX/XX/XXXX on a XXXX phone bill debt from XX/XX/XXXX to XXXX and XXXX. The debt is past the statute of limitations for collections.
Complaint sub-issue: Account status incorrect

XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX. XXXX XXXX   say my payments were 120 days late and this isnt true. I have been disputing this for over a year now even XXXXXXXX XXXX  got involved and they wont budge. There was a natural disaster in XX/XX/XXXX. The rep then told me I would be on deferment until XXXX. He never notated and it caused problems. I didnt find out until XX/XX/XXXX and it made it look bad on my credit. XXXX I was attending XXXX XXXX online and withdrew in XXXX due to not having enough funds. I should have been on in in school deferment for those months yet the school forgot to report it. This is outrageous and I just want this to get cleared up with all credit beauraus. With XXXX it shows natural disaster and deferment. As of now Im on a XXXX repayment plan. Pleas help me fix this
Complaint sub-issue: Account information incorrect

Upon reviewing my credit file, incorrect information was found in my reports. The 3 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX Inqueires received by XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX Inquiry received by Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX Inquiry received by XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2021 I received a letter dated XX/XX/2021 from XXXX XXXX from XXXX XXXX in fact stating that there is no record that they show that I owe an alleged debt to said company. Procollect which is the third party debt collector is reporting on behalf of XXXX XXXX a negative account on my consumer credit report. All documents that have been sent to both parties are included in this compliant.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, I sent a letter to a company shown on all three of my accounts as " XXXX XXXX ''. ( Since that time, oddly enough, both Equifax and XXXX  have changed the name on the account to " XXXX XXXX '' who I believe is the original Creditor. ) I copied Equifax, XXXX, and XXXX  in this letter. I requested verification and validation of this debt. I sent this letter to all of the above parties via USPS, as well as email. I have not heard one word from XXXX XXXX or XXXX XXXX since that time nor have I been sent any documentation that would prove this debt belongs to me. That has not however stopped any of the three agencies from listing this item on my credit account. 

On XX/XX/2020, I received my Dispute Results from XXXX  who verified the information as accurate. In my credit reports from XXXX XXXX and Equifax, these accounts were listed under " XXXX XXXX '' and on both credit reports, the account was said to be verified as of XX/XX/2020, the date of both reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I am having difficulties trying to get some things resolved on my credit report. There are a few things that the bureaus are not investigating otherwise they would have been resolved. When I pulled up my XXXX XXXX they don't even show payment histories. I can not afford to belong to a monitoring site which takes XXXX a month so I have to relay on this site. What they are reporting are accounts which they indicate last payments in the year XXXX and I know for a fact that I had to stop making payments on accounts back in XXXX due to loss of income. I'm not proud of it but I was struggling to keep a roof over my head and that was something beyond my control. However, I have been penalized for over 7 years now and I am trying to get my life back in order but the information they are reporting isn't correct.
Complaint sub-issue: Their investigation did not fix an error on your report

I agreed to do a pay for delete with a credit card that I had with 1st Progress/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off 1st Progress did not delete the account like they said they would.
Complaint sub-issue: Received bad information about your loan

XX/XX/2019 - Paid off one of my student loans. Still had several outstanding loans. 
XX/XX/2019 - * Receive a confirmation that above stated loan was paid off. Simultaneously receive an email that I have new Loan Repayment Terms ( received a letter ). The letter has the following as justification - " Your terms have been re-calculated due to a change in status ''. 
* Looked up the items reasons they declare that could cause this and I do not fulfill any of the reasons. 
* Call XXXX XXXX and ask the customer service rep to provide the reason they changed my loan repayment terms. She replies it's caused by the previously stated loan that was paid off on XX/XX/2019. I inform her this makes no sense, why would this impact my other loans. I request a copy of my previous Loan Repayment Terms and she asks me to go on hold. She eventually comes back and says the information she provided is incorrect and that XXXX XXXX incorrectly changed my Loan Repayment Terms. 
* As a follow up, i'm waiting for a new set of Loan Repayment Terms and a copy of the original ones as well. 

Bottom line - How on earth can they just change my loan repayment terms? I'm fortunate in that I've worked with student loans extensively but had I taken her word immediately, I would have operated on totally incorrect information. Furthermore, the letter they published should provide the justification for the change as opposed to a generic " many things could have changed ''. Why doesn't XXXX XXXX   get any sort of reprimanding for this sort of behaviour?
Complaint sub-issue: Threatened to sue you for very old debt

I received a letter from XXXX XXXX XXXX threatening me with a lawsuit even though I told them not to contact me again without a proper validation letter as required under FDCPA. They contacted me anyway and are trying to coerce me into paying debts I do not owe according to the law. In addition, the debts in question are invalid because 1 ) the original providers sent me bills more than two years after I was seen and therefore missed the six-month Good Filing Deadline, and therefore according to regulations these charges MUST be written off ; and 2 ) I was under XXXX and was taken involuntarily to XXXX XXXX Hospital on XX/XX/XXXX, 2013 and therefore the state is responsible for paying the bill, not me ; that is an established fact of law.